Notre Dame Federal Credit Union understands that unexpected circumstances can arise and we have an option available to help provide you with peace of mind. Overdraft Protection is designed to provide protection and convenience during those times when you don't have enough cash in your checking account to cover an essential purchase. 

With this service, you don't have to worry that your debit card will be declined if you don't have sufficient funds to cover an important purchase - we will pay the transaction on your behalf.

 Overdraft Protection provides many other benefits, including:

• Reputation protection - avoid the embarrassment of a declined debit card purchase

• Reduced fees - you pay one fee per NSF transaction with Overdraft Protection, while a payee could charge you insufficient funds fees, late fees, and more.

Due to changes in legislature, you are required to "opt-in" for Overdraft Protection. If you don't choose to opt-in, we will not be able to authorize or pay overdrafts for ATM or everyday debit card transactions. These transactions will be declined if sufficient funds are not available.

It is free to opt-in for Overdraft Protection. You only pay a fee when you use the service. Click here to learn more and opt-in today!