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Protect Yourself from Embarrassing Overdrafts

Overdraft Protection protects your checking account in the event you write a check when you have insufficient funds. Consider “Opt-in” to protect your VISA Debit Card against a declined VISA Debit card transaction. With this protection Desert Rivers Credit Union helps to ensure that your checking and debit card transactions clear in the unlikely event your balance runs low.

Benefits of Protection

  • Added security when you may need funds to pay unexpected expenses.
  • Offers convenience – avoid services being interrupted.
  • Eliminated embarrassment – avoid the awkwardness of a merchant declining your purchase.
  • Overdraft protection fee is generally much less than returned check charges by the merchant and by the Credit Union.

Opt-in for Overdraft Protection on you VISA Debit Card

Opt-in for VISA Debit Card Protection on your Debit Card Transactions
Your first and last name

I have received and/or read the Opt-in Disclosure and authorize Desert Rivers Credit Union to pay overdrafts on my everyday debit card transactions.

What you need to know about overdrafts and overdraft fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
o We have standard overdraft practices that come with your account.
o We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. These practices are shown on this page.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:
o Checks and other transactions made using your checking account number.
o Automatic bill payments.
o We will not authorize and pay overdrafts for everyday debit card transactions unless you choose to opt-in for Debit Card protection on this form.
o We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay all types of transactions.
o If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Desert Rivers Credit Union pays my overdraft?

Under our standard overdraft practices:
o We will charge you a fee of up to $24 each time we pay an overdraft.
o As a courtesy, we do limit the total fees for overdrawing your account to five per day.

What if I want Desert Rivers Credit Union to authorize and pay overdrafts on my everyday debit card transactions?

If you want us to authorize and pay overdrafts on everyday debit card transactions, come in to your nearest branch or click on "opt-in" on this form.


Overdraft Protection Comparison

Transactions CoveredOverdraft ProtectionOpt-in Debit Card Protection
Debit Card transactions covered?noyes
Checks and drafts written on your account covered?yesyes
Automatic bill payments covered?yesyes
Automatically included with your checking account?yesno, opt in by completing the following form.
Cost$24 each time overdraft is paid. Max is 5 per day.$24 each time overdraft is paid. Max is 5 per day.


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.

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Desert Rivers Credit Union is an Equal Housing Lender.

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