Overdraft Coverage

OVERDRAFT COVERAGE OPTIONS:
OVERDRAFT PROTECTION AND OVERDRAFT PRIVILEGE

Access of Louisiana Federal Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Service	Cost
Overdraft Protection link to another deposit account you have at Access of Louisiana Federal Credit Union1	$10 fee per transfer
Overdraft Privilege Standard or Extended Coverage	$30 Overdraft Fee per item presented*

¹Call us at (337) 533-1808, send us a secure message through online banking, or come by a branch to sign up for this service.

* Per item presented means each time an item is presented, including representment

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Access of Louisiana Federal Credit Union for a fee.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Please review What Else You Should Know for other important information.

Transactions Covered with Overdraft Privilege Standard Coverage (No action required) Extended Coverage (Your consent required on consumer accounts) * Checks X X ACH - Automatic Debits X X Recurring Debit Card Transactions X X Online Bill Pay Items X X Internet Banking Transfers X X Telephone Banking X X Teller Window Transactions X X ATM Transactions X* Everyday Debit Card Transactions X*

Beginning March 1, 2022, if you would like to select Extended Coverage for future transactions: call us at (337) 533-1808 complete the online consent form at https://access.extendcoverage.com/OdpCoverage/Home/AolFcuOdpCoverage visit any branch complete a consent form and mail it to us at 519 Kirby St., Lake Charles, LA 70601 send us a secure message through online banking

*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended Coverage, it is not necessary to request it again.

You can discontinue Overdraft Privilege in its entirety by contacting us at (337) 533-1808 or sending us a secure message through online banking.