Overdraft Options

Emergencies happen, set up a safety net for your finances.

Dealing with overdrafts can be costly, but FCCU has other less expensive overdraft option plans that may serve you better in addition to or in lieu of the Overdraft Privilege Program. Give us a call at 281.856.5300 or stop by to talk about these alternatives which may include automatic account transfers from a line of credit, credit card or a savings account.

Overdraft Transfers

Opt-in to Overdraft Transfers to increase your peace of mind when you don't have enough funds in your account. We'll automatically use your back up funds such as your FCCU Credit Card, line of credit or share (savings) account to cover your transaction for a small fee of $5.


Overdraft Privilege (ODP)

Overdraft Privilege allows you to overdraw your checking account up to a pre-determined limit to pay a transaction. A fee is charged each time we pay an overdraft. Please see the fee schedule below. For overdraft transactions under $5, we will not charge to cover these transactions. A fee will appear in your account but will be refunded the next business day. FCCU will strive to pay your reasonable overdrafts as a discretionary courtesy and not a right or obligation up to the pre-determined ODP limit on your account, including the ODP fee for each transaction as long as your account remains in good standing.

Overdraft Options

FCCU is your dedicated financial partner and we recognize that managing your money can be challenging at times. Our Overdraft Privilege (ODP) Program helps you control your money and avoid excessive fees. Standard Overdraft Practices come automatically (Standard ODP) with most checking accounts upon qualification.

person looking at overdraft bill

Standard Overdraft Option

The Standard overdraft option covers the following types of transactions:

  • Check and other transactions made using your checking account number (for example, ACH transactions)
  • Automatic Bill Payments
  • Recurring debit card transactions

using ATM

will cover the following transactions, if you opt-in to this coverage:

  • ATM transactions
  • One-time and everyday Debit Card transactions


Can I withdraw cash over $10,000?

How do I cancel Bill Pay?

How can I change the PIN on my card?

1APY is Annual Percentage Yield. Withdrawals, penalties and fees could reduce earnings. Dividend rates and APY are subject to change monthly without notice at the discretion of the Board of Directors. Dividends are paid at the end of the period from current income and available earnings after required transfers to reserves. The above rates were paid for their respective dividend period. These rates are not guaranteed for the current dividend period. Rates may change after account opening. All accounts must remain open through the end of the dividend period to be paid the accrued dividends. Checking and Money Management account dividends are earned on the daily balance and paid monthly. Rates quoted were last paid on November 30, 2023. Dividend rate and APY are subject to change monthly without notice at the discretion of the Board of Directors. In order to qualify for membership, In order to qualify for membership, Membership is open to anyone that lives, works, attends school or worships in one of the Texas counties we serve, any person employed by a Select Employee Group, or any relative or family member of an FCCU member or employee.

2Overdraft Options are available on most FCCU consumer checking accounts being maintained in good standing and the member is 18 or older. Standard Overdraft Practices automatically come with most accounts. For debit and ATM transactions to be covered, you must Opt-in to Enhanced Overdraft Privilege. Overdraft Transfers are an option. Nominal fees on a tiered structure of $10 for the first overdraft, $28 for the second through fourth transactions and $35 for the fifth transaction and beyond in a 12-month rolling period may apply for the service selected. Overdrafts must be covered to bring the account to a positive status within 30 days to avoid further action being taken. First Community reserves the right to decline to pay any transaction if a loss has occurred to First Community.

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