Overdraft Protection

Available to all PFCU members with a checking account or PFCU Check Card, Overdraft Protection helps protect you from insufficient funds.

Who needs Overdraft Protection?

Overdraft protection, in the form of a line of credit, is good for any PFCU member that has a checking account or PFCU Check Card. In the event that a member writes a check or makes a purchase without sufficient money in their checking account, the funds will be taken from the line of credit to cover the payment or purchase. It saves consumers the embarrassment of having a check returned for non-payment (or peace-of-mind) and also money for not being charged a $28.00 non-sufficient funds fee.

Is there a cost to Overdraft Protection?

There is no cost to have overdraft protection, in the form of a line of credit, other than the annual percentage rate that is applied to the line of credit balance each month. Members can simply pay the line of credit and any interest accrued at any time or a monthly payment can be applied to the outstanding balance or simply pay the entire amount.

Refer your Friends
National Association of Federal Credit Unions 
PFCU is a proud member of the National Association of Federal Credit Unions
National Credit Union Administration 
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.
Equal Housing Lender 
We do Business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act.

We provide links to external websites for your convenience. Philadelphia Federal Credit Union does not endorse and is not responsible for their content, links, privacy or securities policies.

Please note that the amount of money contained in your investment accounts are considered non-deposit products and therefore, are not NCUA insured, not credit union guaranteed, may lose value, are not guaranteed by any government agency. Securities, Financial Planning and Insurance products are offered through LPL Financial, and its affiliates, Member FINRA, SIPC. LPL Financial and Philadelphia Federal Credit Union are independent entities.