Routing Number: 307070021

Overdraft Coverage Options

Our overdraft coverage options are there for you when you need it most.

Overdraft Protection

We understand life happens…

In today’s fast paced world, it’s not always easy to manage multiple responsibilities and your banking accounts. Unforeseen circumstances arise every day that could leave you in a situation where you need unexpected funding. Whether it’s because you forgot to transfer money into your checking account, to make a deposit or there was a billing error that caused your account to be over charged when you weren’t prepared - we've got you covered.

We offer Overdraft Protection options that will keep your account from being overdrawn when you don’t have the funds to cover a transaction. Funds from designated overdraft accounts will 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**


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We're happy to answer any questions you have or provide you with additional information about AAFCU products and services.

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

**Subject to credit approval.


Overdraft Privilege

Overdraft Privilege Service

Overdraft Privilege 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, Overdraft Privilege Service is still available as a secondary coverage if other overdraft protection options are exhausted.

We generally post items as they are received in the following order: 1) ACH credits, 2) ACH debits, 3) share drafts: however exceptions may occur. Additionally, debit card and ATM transactions are processed when the transaction occurs and as a result may be posted before or after any of the numbered items listed depending when the transaction was made. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Overdraft Fees.

Fee for usage

  • An Overdraft Fee of $32 will be 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 Overdraft Privilege service

The amount of each transaction as well as the $32.00 fee will be deducted from the available Overdraft Privilege service limit. For example: you want to utilize your full limit of $1000.00 in a single transaction, you would only be able to access $968.00 because the $32.00 fee will also be charged against your limit at the time of the transaction.

Overdraft Privilege Service is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice. Overdraft Privilege Service may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. 

Your account may become overdrawn in excess of the Overdraft Privilege Service limit amount as a result of the assessment of a fee and other pending items. For example: A gas purchase pre-authorization for $1.00 will clear the account for the total amount of the gas purchase.

Transactions Covered with Overdraft Privilege 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 X1
Everyday Debit Card Transactions X1
  • 1Your consent is required on consumer accounts

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

Helpful information

You can discontinue the Overdraft Privilege Service in its entirety by contacting us at 800.223.1983, sending us an email at, or by visiting a branch.

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

Contact Us

We're happy to answer any questions you have or provide you with additional information about AAFCU products and services.