Overdraft Protection & Overdraft Privilege

United Teletech Financial Federal Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

  • Overdraft Protection

    Applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you designate, or line of credit you may have at United Teletech Financial Federal Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

  • Overdraft Privilege

    Allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Please review What Else You Should Know for other important information.

  • Checks

    Checks

  • ACH - Automatic Debits

    ACH - Automatic Debits

  • Recurring Debit Card Transactions

    Recurring Debit Card Transactions

  • Online Bill Pay Items

    Online Bill Pay Items

  • ATM Transactions

    ATM Transactions

  • Everyday Debit Card Transactions

    Everyday Debit Card Transactions

Standard Coverage
(No action required)

  • Checks

  • ACH - Automatic Debits

  • Recurring Debit Card Transactions

  • Online Bill Pay Items

  • ATM Transactions

  • Everyday Debit Card Transactions

Extended Coverage

(Your consent required on consumer accounts) *

  • Checks

  • ACH - Automatic Debits

  • Recurring Debit Card Transactions

  • Online Bill Pay Items

  • ATM Transactions

    *

  • Everyday Debit Card Transactions

    *

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

You can discontinue Overdraft Privilege in its entirety by contacting us at (866) 247-0065 or sending us an email through online banking. If you are receiving this communication via letter, please provide us with a valid email address to receive future communication via email rather than by postal service.

Extended Coverage Consent Form

If you would like to select Extended Coverage for future transactions:

Contact Us Through Online Banking
Online & Mobile Banking
Complete The Online Consent Form
Consent Form
Give Us A Call
Call 866-247-0065

Disclosures

1Call us at 732-530-8100, email us through online banking, or come by a branch to sign up or apply for these service(s); 2Subject to credit approval.