Overdraft Protection | HI Credit Union Line of Credit

Safeguard your account from insufficient funds and rejected payments with our Overdraft Services.

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

Advance funds in $100 increments from this unsecured line of credit up to the available credit line balance
Credit lines available from $500 to $5,000
Fixed interest rate of 13.00% APR (Annual Percentage Rate)
No annual fees or prepayment penalties
Subject to credit approval

A privilege applied to qualifying accounts for eligible members
We pay overdrafts at our discretion, and we reserve the right not to pay based on eligibility requirements
- For example, we may not pay an overdraft if your account is not in good standing as defined in our Courtesy Pay Service Agreement
Used when other Overdraft Protection services do not have sufficient funds, or if these services do not apply
Overdraft limit up to $500 per account, plus fees
$29 fee for each transaction paid into the overdraft balance
Maximum of 3 fees charged per account per day
The total negative balance in your checking account including all fees is due upon demand. You are required to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 days
Basic Coverage - includes overdrafts from checks, Automated Clearing House (ACH), automatic bill payments, and other transactions made using your checking account number
Extended Coverage - you may opt-in to extend the overdraft limit for ATM and everyday debit card transactions. Click here to request Extended Coverage for your debit card
Read Courtesy Pay Service Agreement for details and eligibility requirements

Manage your preferences

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