Avoid NSF fees when your checks or VISA ATM/Debit transactions reach your account before payday by signing up for our Overdraft Protection Line of Credit loan. It's a pre-approved line of credit tied to your checking account (or multiple checking accounts); if you don't use it, it costs nothing because there is no annual fee or application fee. If it is activated by an NSF, then you pay interest on the number of days you use the loan. Monthly payments (or a lump sum payoff) keep the loan ready for you, whenever you need it. Apply here to establish or increase your Overdraft Protection Line of Credit limit.

 



 









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Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. Your savings are additionally insured to $250,000 by Excess Share Insurance. To estimate your National Credit Union Share Insurance Fund coverage, use this insurance estimator or download NCUA's Your Insured Funds brochure. Alabama Credit Union does business in accordance with the Equal Credit Opportunity Act and the Federal Fair Housing Law. We are an Equal Housing Lender. Rates expressed as Annual Percentage Rate or Annual Percentage Yield; all rates and terms subject to change without notice. For complete account disclosures, ask for a copy of our Membership & Account Agreement, Reg CC (Funds Availability) and Reg E (Electronic Transfers) disclosures, Fee Schedule and Member Business Account™ Fee Schedule. Membership eligibility required. Alabama Credit Union is not responsible for content of Web sites which may be accessible via links from this site but are not operated by Alabama Credit Union, and does not represent either the third party or the member if the two enter into a transaction; privacy and security policies may differ from those practiced by Alabama Credit Union.

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