What You Need to Know about Overdraft Services

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway based on standard overdraft practices that come with your account.

What are the standard overdraft practices that may come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

After August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Sacramento Credit Union pays my overdraft?

  • We will charge you a fee of $24.00 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Sacramento Credit Union to authorize and pay overdrafts on my everyday debit card transactions?

If you want us to authorize and pay overdrafts for everyday debit card transactions, complete the form below, or call (916) 444-6070. You may visit any of our branch locations and a Member Service Representative will help you.

What if I want Sacramento Credit Union to not authorize and pay overdrafts on my everyday debit card transactions?

If you want us to not authorize and pay overdrafts for everyday debit card transactions, complete the form below, or call (916) 444-6070. You may visit any of our branch locations and a Member Service Representative will help you. Effective August 15, 2010, we will not authorize and pay overdrafts for everyday debit card transactions.

What if I want to change my previous election?

To change the previous election, please complete the form below.

Online Opt In/Out Form


Please make a choice to continue:

Opt In: I want Sacramento Credit Union to authorize and pay overdrafts on my everyday debit card transactions.
Opt Out: I do not want Sacramento Credit Union to authorize and pay overdrafts on my everyday debit card transactions.

I understand that I have an ongoing right to change this consent at any time.

Security Code

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Alternative Ways to Opt In/Out

  • By Phone

    Our Member Service Representatives are available during business hours if you prefer to opt in by phone. Please call (916) 444 6070 or toll free (888) 722 8601.

  • In Person

    Sometimes it's easier to talk about things in person. Please visit any of our locations.