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Overdraft Protection Options

Avoid the hassle with our Overdraft Protection options.

With a Personal Line of Credit, linking available balances in your account, or with our Courtesy Pay protection, you'll avoid a purchase being stopped at the merchant or incurring additional return check fees.

Personal Line of Credit
Account Transfers
Courtesy Pay Privilege

Personal Line of Credit

Apply for a fixed or variable rate Line of Credit that can easily be accessed online, and also protects your Checking in case of an overdraft.
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Current Rates

Account Transfers

Set up your account to allow automatic transfer from other shares in case of an overdraft (subject to service charge).
Contact Us to Get Set Up

Courtesy Pay Privilege
(and Overdraft Coverage for ATM & Debit Card Purchases)

When your account is eligible for this optional coverage, we're able to protect your purchases by covering your overdraft.
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All loans are subject to approval. Line of credit and account to account transfers as well as Courtesy Pay privilege subject to applicable service charges when initiated by an overdraft. Courtesy Pay also is subject to periodic account review to assess eligibility. Advia Credit Union is an equal opportunity lender. Deposits federally insured to at least $250,000 per depositor and backed by the full faith and credit of the United States Government – NCUA.