Checking Account Protection


 You may also request optional Overdraft Protection or Share Transfer for your Checking Account. Both products are designed to keep you from overdrawing your Checking Account.

Overdraft Protection is a line-of-credit that acts as a security blanket for your Checking Account. When needed, available funds (up to your approved credit limit) from your Overdraft will automatically transfer into your Checking Account so that you are not assessed a fee. All members with a Checking Account are eligible to apply for Overdraft Protection.

Share Transfer allows you to utilize funds available in your Savings Account in the event your Checking Account is going to overdraw. With this option, a share transfer fee applies each time a transfer is necessary. All members with a Checking Account are eligible to enroll.

Courtesy Pay allows you to pay for an item when your Checking Account is going to overdraw  a for a fee.

To apply for Overdraft Protection, or to enroll in Share Transfer or Courtesy Pay, please visit your local branch or contact us at 888.252.8932.
Emerald VISA
Emerald VISA cards give you the purchasing power you need when you need it. The credit union offers several great Emerald choices for you and your business. Our Emerald VISA cards offers members Choice Rewards, a program specially designed to reward members for their VISA usage.
Download Our App
Heritage Family Credit Union has home banking apps for Android® and iPhone® devices.