In order to qualify for this service, your checking account must be open for at least ninety (90) days and you must be a member in good standing with GSCU.
An overdraft occurs when you don't have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
What are the Standard Overdraft Practices that come with my account?
We do transfer any available funds from a linked savings or checking account.
We do authorize and pay overdrafts for the following types of transactions:
We do not authorize or pay overdrafts for the following types of transactions:
Note: We may authorize and pay overdrafts at our discretion. If we do not authorize or pay the overdraft, your transaction will be declined or returned.
What fees will I be charged if GSCU pays my overdraft?
Under our Standard Overdraft Practices:
What if I want GSCU to authorize and pay overdrafts on my ATM and debit card transactions?
If you want us to authorize and pay overdrafts on ATM and debit card transactions, you may send a secure message through OnLine Banking, visit one of our convenient branch locations, or speak to a Member Service Representative at 1-800-645-4728.