Safeguard your account from insufficient funds with Overdraft Protection.

Overdraft Transfer Service

  • A quick and simple no-cost benefit
  • Use your HawaiiUSA Federal Credit Union Savings Account to cover shortfalls
  • Funds transfer automatically in increments of $100 up to the available checking account balance
  • If your savings balance is less than $100, the entire balance will transfer


Overdraft Line of Credit

  • Draw on this unsecured line of credit
  • Credit lines available from $500 to $5,000; Overdraft LOCs rate is 13.00% APR (Annual Percentage Rate)
  • Advances in $100 increments up to the credit line
  • Fixed interest rate
  • No annual fees or prepayment penalties; must be a HawaiiUSA member
  • Subject to credit approval


Courtesy Pay

  • A privilege extended to eligible members. We pay overdrafts at our discretion, and we reserve the right not to pay based on eligibility requirements
  • Used when Overdraft Transfer Service and/or Overdraft Line of Credit have insufficient funds
  • Total overdrafts up to $500, plus fees
  • $29 fee for each overdraft
  • Limit of 3 fees per account per day
  • Covers overdrafts from checks, payments cleared through the Automated Clearing House (ACH), automatic bill payments, and other transactions made using your checking account number only
  • The total negative balance in your checking account including all fees is due upon demand. You are required to immediately deposit sufficient funds to bring your account to a positive end-of-day balance
  • You may opt-in for Courtesy Pay- Extended Coverage to pay overdrafts for ATM and everyday debit card transactions
  • Read official disclosure


Courtesy Pay Eligibility Standards

  • Primary account holder must be at least 18 years of age
  • All accounts must be in good standing
  • Checking account must be active for more than 60 days with a positive balance
  • No legal or administrative levies against the account
  • No pending bankruptcies or financial counseling agreement
  • No delinquent or charged off loans or credit cards with HawaiiUSA FCU
  • You have not exceeded the Courtesy Pay overdraft limit
  • Account holder's mailing address is current
  • Must not have excessive Courtesy Pay or nonsufficient funds (NSF) activity
  • Download official disclosure


Manage your preferences

Choose whether to opt-in or opt-out of overdraft protection

Submit form online


Opt-in or opt-out


Submit form via mail

  • Mail to: HawaiiUSA Federal Credit Union, 1226 College Walk, Honolulu, HI 96817
  • Visit any HawaiiUSA location


Download overdraft protection form