Overdraft Protection

EdiFi understands that mistakes can happen when balancing your checking account - that's why we offer Overdraft Protection options for the following transactions:

  • Checks
  • ACH Payments
  • Online Bill Payment
  • Debit Card Purchases

Overdraft Protection Options

1. Linked Savings Account

At EdiFi, you can link your checking account to your savings account(s) and we will automatically transfer available funds from these accounts(s) when the balance in your checking is too low to cover an item. The fee for each transfer is $3.00.

2. Overdraft Courtesy Pay

With our Overdraft Courtesy Pay service, anytime a check, ACH, or an online bill payment transaction is attempted from your checking account and the balance in the account (and other linked accounts) is not sufficient to cover the item, we may pay that item at our discretion* and draw your account negative.** The fee is $25.00 per presentment.

*We pay overdrafts at our discretion, which means we do not guarantee we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

**In order to be eligible for the service, members must meet some requirements on a monthly basis.

The requirements are as follows:

  • You must not be in default on any loan obligation to us
  • Your account can not be the subject of any legal or administrative order or levy, such as bankruptcy or a tax lien

If you meet the requirements, you will automatically be eligible for the service – there is no need to opt-in. If you do not meet the requirements in a given month, you will be considered again the following month.

All amounts must be paid within the 45 days of the first day they become negative to keep the checking account in good standing.

3. Debit Card Transactions

Please be aware that debit card transactions are not automatically covered under the Overdraft Courtesy Pay service – you must opt-in in order for these transactions to qualify. You can opt-in to this service by contacting the Contact Center or in person at any EdiFi location.


Loan Type
Min/Max Borrowed
Max Repayment Term
APR* as low as
Account Type
Min Balance to Earn
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