Overdraft Line of Credit

Protect yourself from accidental overdrafts

If you have an Empire ONE FCU Checking account, you can add an Overdraft Line of Credit at no cost. This revolving line of credit covers you when you have insufficient funds in your account when a check, automatic payment, debit card or ATM transaction is posted. The overdraft amount is simply transferred from your line of credit, and you avoid the potential embarrassment, fees and inconvenience of having a check returned or a transaction denied.

You’ll receive a notice any time your Overdraft Line of Credit is activated, letting you know the amount deposited and which transactions were covered. The notice will indicate the minimum payment due (10% or $25, whichever is greater) and your payment due date (typically the 15th of the month). If you prefer, you can pay your overdraft right away in person at any branch or online using our Virtual Branch. As long as your line of credit is current, you’ll be protected.

Overdraft Lines of Credit are available with credit limits of $500 to $2,500. You can apply online or call or visit your nearest Empire ONE branch.

You can now pay your loan from another financial institution. Loan Pay