An overdraft occurs when you do not have enough money in the available balance in your checking account at the time a transaction is presented to the credit union for payment. A nonsufficient funds fee (returned item fee) is charged when your account is overdrawn and the item is returned unpaid.

However, if the account had sufficient available funds at the time the debit card transaction was authorized, no overdraft fee will be charged. You may choose to opt-out at any time of both Overdraft Privilege options described above at your nearest branch, in digital banking or by calling the service center at 1-800-748-4302 .

If we do not authorize and pay an overdraft, your transaction will be declined. What fees will I be charged if Mountain America pays my overdraft? Under our standard overdraft practices: We will charge you a fee of $25 each time we pay an overdraft. As a courtesy, we do limit the total fees for overdrawing your account to five per day.

Overdraft Privilege Opt-In for debit card transactions authorizes the credit union to cover debit card transactions when your available account balance is insufficient for your purchase. Opt in by visiting a branch, calling our service center or logging in to digital banking. The overdraft fee is $25 with a maximum of five per day.

Refunds for overdraft fees are considered on a case-by-case basis. To speak with a credit union representative about your particular situation, please contact our service center at 1-800-748-4302 or visit your nearest branch.

authorize and pay an overdraft, your transaction will be declined. What fees will I be charged if Mountain America pays my overdraft? Under our . standard overdraft practices: • We will charge you a fee of $25 each time we pay an overdraft. • As a courtesy, we do limit the total fees for overdrawing your account to five per day.

Standard Overdraft Privilege covers overdrafts for checks and transactions made using your checking account number (ACH). You are given the option to enroll in this coverage at account opening.* Mountain America will charge a $25 fee each time we pay an overdraft. As a courtesy, overdraft fees are limited to five per day.

Mountain America Credit Union has the discretion to pay overdrafts within the overdraft privilege limits, but this service is a courtesy and neither a right of the accountholder nor an obligation of the credit union. For further information on Standard Overdraft Privilege eligibility, refer to the Membership Agreement.

Waive the fee. If you take the following action monthly, we’ll waive the $7 maintenance fee: Perform 20+ card transactions (Debit and/or credit) Members who are age 24 and younger, age 60 and older, or maintain an average daily balance of $10,000 in MyStyle Checking will also have the fee waived automatically. Open your account

With a Business Low Rate Visa credit card, you’ll enjoy a variety of handy benefits, like online and mobile banking, overdraft protection and a 25-day grace period on all purchases, minus the hidden expenses. Access all of these standard features: Competitive interest rates; Card controls through Visa Spend Clarity