Overdraft Checking Account Protection

Don't pay big fees when you make a small mistake.

To err is human. To forgive is the way we do business.

At some banks and credit unions, overdrawing your account can result in bounced checks and hefty charges. We understand that emergencies and miscalculations happen. That's why Andrews Federal Credit Union offers a range of options that help you set things right without costing you a lot of money. 

Transfer from Savings Account

A quick, easy fix for those times when your balance is zero

  • Log into Digital Banking to transfer money from your savings account without needing to visit a Washington, D.C., Maryland, Northern Virginia, New Jersey, Germany, Netherlands or Belgium branch location when your checking balance falls below zero
  • It's quick and easy to move money between accounts
  • Plus, there is no fee for transferring funds between accounts

Overdraft Line of Credit

It's a lot like having a credit card linked to your account

  • No fees for transfers, but you pay interest online of credit balances
  • No interest will be charged if balances are paid off the same day as transfers occur
  • Request to have funds moved to your checking account whenever your balance runs low

Privilege Pay

For a fee, temporarily allow your checking balance to go below zero

  • Have an unexpected expense?  Forgot to make a deposit to your checking account, or your deposit was delayed? Have peace of mind that your payments will still get made, with overdraft coverage from Privilege Pay.
  • Your eligible checking account is automatically enrolled in Privilege Pay to cover checks and automatic (ACH) payments (must meet account requirements, to include having a monthly direct deposit of at least $200).
  • You can extend your overdraft coverage by Opting In for Privilege Pay for your debit card purchases.
  • There's a $32 fee for each Privilege Pay covered transaction, with a maximum daily charge of $96 (i.e. daily cap of 3 fees).
  • You must repay the money we advanced in a reasonable amount of time (no more than 25-30 days).
  • Privilege Pay is a courtesy that we extend to you, offered at our discretion.
  • There is a limit to how much Privilege Pay will cover.
  • If you choose not to use overdraft protection, your transaction will be returned unpaid (or your debit card purchased declined) if you do not have sufficient funds in your checking account.
  • View Terms and Conditions for Privilege Pay.

17-Month Winter Share Certificate Special Offer

Move your money and earn more!

Move your money to a Share Certificate and you'll earn more on your money with higher dividend rates. Our Winter Share Certificate special offer gives you 4.05% APY* for 17-months with $1,000 minimum to open the account.