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

Overdraft Transfer Service

  • 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

 

Overdraft Line of Credit

  • 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

 

Courtesy Pay

  • 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

 

Courtesy Pay Eligibility Requirements

  • 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