Overdraft Line of Credit

A hand reaching for help through a pile of bills.First Choice Credit Union offers members several overdraft options. Overdraft Protection, Courtesy Overdraft Program and our newest overdraft option is our Overdraft Line of Credit.

Overdraft Line of Credit

  • Credit Limits Range from $500.00 to $1,000.00 and are based on your credit history*

  • Rates are based on the prime rate as published in the Wall Street Journal *

  • There is no NSF Fee or Courtesy Overdraft Protection fee

  • Available with any of our four checking account products

  • Available for First Choice Credit Union VISA Debit card transactions

  • Payments are due the 20th of each month and must be made by automatic transfer

  • Interest is charged on the unpaid balance only

  • No cost to keep the line open if you don't use it

  • Available for First Choice Credit Union VISA Debit card transactions

    • Members must authorize FCCU to pay any overdrafts for ATM or VISA Debt card transactions. Without your prior authorization – Overdraft coverage is not available.

Other Overdraft Options Available

Overdraft Protection - If funds are available in your share account, FCCU will automatically transfer the amount needed to cover the check. Transfers will not be made that would result in bringing your share account balance below the $50.00 minimum required balance. Regulations limit the number of transfers allowed per calendar month.

Courtesy Overdraft Program - If the funds are not available and the account qualifies for our Courtesy Overdraft Program, then FCCU will cover the insufficient funds up to $500 (this includes the fee).

All FCCU checking accounts qualify for the Overdraft Protection. Members can then choose between using our Courtesy Overdraft Program or applying for our Overdraft Line of Credit.

*Our Fair Lending Program allows us to better serve members in a way that is consistent with their credit history. Regardless of what their credit history is, it is important that each member feel they can rely on us to offer the fairest and best rate possible. The rate a member pays on a loan will be determined by their credit history and the term of the loan.

Please refer to our schedule of fees for any fees relating to these programs and to our Membership Booklet for our complete Electronic Fund Transfer Agreement and Disclosure.

Mailing Address
1055 S. Congress Avenue
West Palm Beach, Florida 33406-5195

561.641.0100 Phone

Your savings are federally insured to at least $250,000 Your savings are federally insured by NCUA
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