DEBIT CARD OVERDRAFT PROTECTION

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

1. Checks and other transactions made using your checking account number.
2. Automatic bill payments

1. ATM transactions
2. Everyday debit card transactions

We pay overdrafts at our discretion, which means that 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.

Under our standard overdraft practices:

1. We will charge you a fee of $30 each time we pay an overdraft.
2. There is no limit on the total fees we can charge you for overdrawing your account.

***Please refer to the cu*advance non-return program and your liability for overdrafts disclosure and your membership and account agreement for important additional information concerning overdrafts.***

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below and submit it on our website, at any of our branches, or mail the completed form below to 1319 Front N.W., Grand Rapids, MI 49504.

You have the right to revoke the payment of your overdrafts on ATM and everyday debit transactions at any time by phone 1-800-442-4576, by mail to 1319 Front N.W., Grand Rapids, MI 49504, in person at any of our branches, or by completing the form below and submitting it on our website.