Overdraft Services

Overdraft Services help you pay for your expenses even if you don’t have sufficient funds in your checking account to cover them. We offer two types of overdraft services:

Overdraft Protection

If you write a check or use your Debit or ATM card and don’t have the money in your checking account to cover the expense, don’t worry! You can have the money automatically transferred from your savings account to cover the transaction at no additional charge. This service is easy and convenient and always available as long as there is money in your savings account.

Overdraft Tolerance

This service occurs when you do not have sufficient funds in your account to cover a transaction but the credit union pays for the transaction regardless. As part of our Overdraft Tolerance service, the credit union will cover up to $300 per checking account.

This service is available towards electronic check presentments and debits through the Automated Clearing House (ACH).  Members will not have access to Overdraft Tolerance by using debit cards, ATM terminals, or the bill pay service on the credit union’s online banking platform.  Additionally, the discretionary Overdraft Tolerance limit will not apply to any checks/share drafts presented at Houston Texas Fire Fighters Federal Credit Union’s teller windows or drive-thru lanes at any branch location.

After Overdraft Tolerance is used, you must bring your checking share balance positive within 30 days. If you don’t follow through, further Overdraft Tolerance transactions would not be permitted and all your checking accounts will be removed from the Overdraft Tolerance program.

  • What are the fees to use Overdraft Tolerance?

    There is a $28 fee assessed when Overdraft Tolerance is used and it will count against the $300 limit that we would pay towards your transaction.
    There is, however, no fee if you never use the service.
  • Who is eligible for Overdraft Tolerance?

    To be eligible for Overdraft Tolerance you must meet certain criteria1:
    1. Your checking account must be open for at least 30 days.
    2. Your mailing address must be up-to-date in our system.
    3. You cannot have any defaults on any loans or other obligations.
  • Can I opt out?

    Yes. If you don’t wish to have this service added to your account, simply contact the Credit Union and we will opt you out!
  • Is Overdraft Tolerance the same as Overdraft Protection?

    No. Overdraft Protection is a service where your own funds are used to cover a check, ATM or Debit Card transaction. If you don’t have enough funds in your checking account, we simply take the money out of your linked savings account to cover the transaction.
    Overdraft Tolerance is a service that occurs after the Overdraft Protection has already been used and there is still not enough funds in your checking account to cover a transaction. In this instance, the Credit Union covers your transaction up to the amount of $300.

1Additional eligibility requirements: You must be at least 18 years old (teen accounts are ineligible). You cannot be subject to any legal or administrative order or levy. Your checking account must have Overdraft Protection from the primary savings account. Must bring checking account balance positive within 30 days. Read more in Overdraft Tolerance Policy Disclosure.