Routing Number: 307070021

Overdraft Coverage Options

Coverage When It Counts

Life happens. When it does, our overdraft options have you covered.

Standard Coverage

Standard coverage is automatically included with your account.

Extended Coverage

Optional extended coverage available.

Use Your Funds First

 Use funds available in your accounts where you are the tax owner to cover overdrawn transactions.

We Know Life Happens

At anytime unforseen events can leave you in a situation where you need unexpected funding. Whether you forgot to transfer money into your checking account, to make a deposit, or there is a billing error caused your account to be over charged - we've got you covered.

Overdraft Protection

We offer Overdraft Protection options to keep your account from being overdrawn when you don’t have sufficent funds to cover a transaction. Money from designated overdraft accounts can be used to cover the overdrawn transaction and keep your accounts protected.

  • Covered Transactions include checks, debit card purchases, ATM withdrawals, electronic funds transfers, and ACH debits.

  • Use your money first with no fee.

  • Designated overdraft accounts include savings accounts*, money fund accounts* and/or a personal line of credit**

*Subject to Reg D monthly transfer restrictions. See account disclosure for additional details.

**Subject to credit approval.

Premium Overdraft Service

Premium Overdraft Service allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Premium Overdraft Service is still available as an additional coverage option if other overdraft protection options are exhausted.


  • A Premium Overdraft Service fee of $32.00 is assessed each time an overdraft item is paid.

  • There is no limit per day on the total fees you may be assessed for utilizing the Premium Overdraft Service.

  • The amount of each transaction is deducted from the available Premium Overdraft service limit. The fee is not deducted from the available Premium Overdraft service limit.

  • Premium Overdraft Service is not a line of credit; it is a discretionary overdraft service that can be withdrawn by the credit union at any time without prior notice.  

Transactions Covered with Premium Overdraft Service Standard Coverage (no action required) Extended Coverage Alert Me
Checks X X
ACH-Automatic Debits X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
Teller Window Transactions X X
ATM Withdrawals* X*
Everyday Debit Card Transactions* X*
*Your consent is required on consumer accounts

If you choose Extended Coverage on your personal account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Premium Overdraft Service coverage, it is not necessary to request it again. 

You can discontinue the Premium Overdraft Service by contacting us at 719.593.8600 or 800.223.1983, sending an email to, or by visiting a branch.

You can opt-in to Extended Coverage by contacting us at 719.593.8600 or 800.223.1983, sending an email to, or by visiting a branch.