Personal Banking

Overdraft Privilege

Jax Metro Credit Union is pleased to provide a convenient new member service, Overdraft Privilege. We are always looking for ways to better serve our members, and we think that Overdraft Privilege will do just that and add value to your JAX Metro Credit Union checking account.

If you have ever made a mistake in your checking account, or written a check for more money than the available balance in the account, you are aware of the expenses and problems associated with inadvertent overdrafts. We want to help you avoid these situations.

Effective immediately, we have added convenient Overdraft Privilege Service to eligible personal checking accounts. Rather than automatically returning, unpaid, any non-sufficient fund items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing.

Overdraft Privilege Service:

  • Due to changes in Federal Law you must request overdraft privilege coverage on your ATM withdrawals and one-time debit card purchases. Call us or stop by any of our offices to opt-in
  • It costs you nothing unless you use the Overdraft Privilege Service
  • Not available to minors under eighteen (18) years of age

Overdraft Privilege Service can mean:

  • Fewer charges from retailers for returned checks!
  • Additional convenience and flexibility in managing your funds!
  • Less aggravation and embarrassment!

Our normal non-sufficient funds or overdraft charges will apply to each item that would create an overdraft on your account. We will send you a notice each time an overdraft occurs.

Of course, we can’t promise to pay every overdraft and we are never obligated to pay your overdrafts, even if your account is in good standing and even though we may have previously paid overdrafts for you. RESTRICTIONS DO APPLY.

Overdraft Privilege is another good service from, and another good reason for being a member of JAX Metro Credit Union. If you have any questions, please call or visit your local branch office. We appreciate your business and having you as a member is very important to us. View a complete disclosure including the fees associated with this privilege.

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Equal Housing LenderEqual Housing Opportunity NCUAFederally Insured by NCUA
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