Overdraft Protection Options

Advia offers a variety of services to help avoid overdrafts and ensure your Debit Card transactions and checks process correctly.

Courtesy Pay

Transfers

Advanced Line of Credit

Courtesy Pay

Courtesy Pay is an automatic, discretionary service for account holders in good standing (subject to a service charge). In the event your Available Balance is not sufficient to cover your checks, internet bill payments, and other pre-authorized payments, this service may help ensure the transaction is paid.

To allow Courtesy Pay to cover insufficient one-time Debit and ATM Card transactions, however, you must opt-in. In Digital Banking, select Cards > Overdraft Opt-In from the menu.

Opt in via Digital Banking

Opt in via Our Form Opt in via Our Form

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Overdraft Transfers

Overdraft Transfers within your account allow the transfer of funds from another share or Advanced Line of Credit to your Checking in the event your Available Balance is not sufficient to cover your transaction (subject to a service charge).

In Digital Banking, select Preferences > Overdraft Preferences from the menu to get started.

Select via Digital Banking

Apply for a Line of Credit

Advanced Line of Credit

Advanced Line of Credit can be used as overdraft protection or simply for extra cash when needed, ranging from $500 to $30,000 (subject to a service charge when accessed as an overdraft transfer).

Apply for a Line of Credit

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All loans are subject to approval. Line of credit and account to account transfers as well as Courtesy Pay 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 by NCUA.