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12 thoughts on “Avoiding the accidental overdraft

  1. Hello, so when i signed up for my account they told me that if my checking account was overdrawn but there was money in my savings account, they would just take the money from my savings account at no charge. Today, i tried to transfer money from my savings to my checking(to avoid this), but they had some issue with doing it AND they charged me for courtesy pay fee(?), even though they told me it was no charge? Why is this?

    Reply
    • Hi Sarah! In March 2013, EECU evaluated its fee schedule and made a few adjustments, including our courtesy overdraft protection program. There is currently a $3 service fee for transfers from another checking, savings or line of credit account for overdraft. You can view the current fee schedule here, and if you would like to change your courtesy overdraft settings, please contact our member contact center at 817-882-0800.

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  2. I have a question. My friend has eecu and she didn’t know that she overdraft $300 & its been 2 years. What’s going to happen? What can she do? She doesn’t have money to pay it.

    Reply
    • Hi Nancy! Have your friend give us a call at 817-882-0800 and we can take a look at her account see what happened and discuss her options. If these issues remain untaken care of, it can be difficult to open up a new checking account, so we want to make sure everything gets sorted out correctly. Thanks!

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    • Hi Norita! Unfortunately, that change can’t be made online. Give us a call at 817-882-0800 or visit any branch and we can enroll you in our Courtesy Overdraft Program and/or Overdraft Transfer based on your preferences. Thanks!

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  3. Recently, I wasn’t able to use my debit card on anything even though I still had money in my checkings account. I think it was because whenever I had no money in my checkings account but I still use my card, it automatically takes out money from my savings account. I have done this a lot but never been unable to use my card. What should I have do?

    Reply
    • Hi Robert! There are multiple reasons that your card may not have worked, so that’s a difficult question to answer. Give us a call at 817-882-0800 and we’ll take a look at your account to see what happened here. Thanks!

      Reply
    • Hi Barbara! If you have notified us that you would like to participate in our Courtesy Overdraft Program (you may have done this when you opened your account), we will let you know what your overdraft limit is on your statement. Basically, this number is the amount that EECU is able to cover in the event that a transaction exceeds your account balance. In order to save the embarrassment of a returned check or debit card rejection, we will cover the difference for a small fee. If you would like to change your overdraft settings or need more info, give us a call at 817-882-0800 and we can answer your questions. Thanks!

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