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WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to another account or a line of credit, which may be less costly than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
  • We will not authorize and pay overdrafts for the following types of transactions without your consent.
    • ATM transactions
    • Everyday debit card transactions

    We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

    What fees will I be charged if Wailuku Federal Credit Union pays my overdraft?

    Under our standard overdraft practices:

    • We will charge you a fee of up to $20 each time we pay an overdraft
    • There is no limit on the total fees we can charge you for overdrawing your account

    What if I want Wailuku Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

    If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the online consent form found at www.WailukuFCU.com. email us at CourtesyPay@wailukufcu.com, complete this form and present it to us or mail it to: 133 Ma'a Street, Kahului, HI 96732, or call (808) 244-7981. You can revoke your authorization for Wailuku Federal Credit Union to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.


    * Indicates Required.

    • STANDARD COVERAGE (does not include ATM or everyday debit card transactions)

    • EXTENDED COVERAGE (includes ATM and everyday debit card transactions)

I have been doing business with Wailuku Federal Credit Union for 11 years now. Walking into the branch feels like stepping into one of my family member’s home. I’m always greeted by a friendly face such as the team members Alyssa, Kellie, and Brandi just to name a few. Mahalo Wailuku FCU for treating me like family.
-Trina K.