Overdraft Coverage Options

Life happens! Plus4 Credit Union understands that unexpected overdrafts occur from time to time - overdraft coverage can help. Plus4 offers the following overdraft coverage options for you to consider:

  • Overdraft Protection - linked to another deposit account at Plus4 Credit Union
  • Overdraft Protection Line of Credit
  • Courtesy Pay

Overdraft Protection services apply to all types of transactions and may help protect your account from being overdrawn by automatically transferring funds to your checking account from another account, cash advance, or line of credit you may have at Plus4 Credit Union, for a fee or finance charge. Courtesy Pay allows you to overdraw your account for a fee in order to pay a transaction. Extended Coverage is available for you if you choose to have ATM withdrawals and everyday debit card transactions included with the transactions listed under standard Courtesy Pay. For more information on what you need to know about Overdraft Protection and Courtesy Pay click here.

                                                              To view the EXTENDED COVERAGE CONSENT FORM click here.


If you would like Plus4 CU to cover ATM withdrawals and everyday debit card transactions, complete the above consent form and return to any Plus4 Credit Union branch in person, via mail at 9998 Almeda Genoa Rd, Houston, TX 77075, fax at 713.378.2303, or email to general@plus4cu.org .  


Accounts will be charged the standard Overdraft fee of $35 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $35 for items returned. An overdrawn balance must be repaid within 32 days. We may not pay items under your Courtesy Pay if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to Plus4 Credit Union or if your account is subject to any legal or administrative order or levy.