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Life happens!  CCU understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help.

The choice is yours. Consider these ways to cover overdrafts:


Service Cost
 Overdraft Protection Line of Credit   1,2  Subject to Interest
 Overdraft Protection (Link to Another Deposit Account you have at CCU)         $5 Fee Per Transaction
 Overdraft Privilege  $30 Non-Return (Overdraft Privilege/Courtesy Pay) Fee Per Item

¹ Call us at 419-407-4140, email us at, or come by a branch to sign up or apply for these services.  ² Subject to credit approval.


Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at CCU for a fee or finance charge.  Please note that overdraft lines of credit are subject to credit approval.


Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction.  If an overdraft does occur, the $30 Non-Return (Overdraft Privilege/Courtesy Pay) Fee is the same fee amount that is charged if a check is returned as unpaid, but you avoid the inconvenience and fees that may be charged by merchants for returned checks or ACH items.  Even if you have overdraft protection, Overdraft Privilege is still available as a secondary coverage if the other protection source is exhausted.  Please review the "What Else You Should Know" section at the bottom of this page for other important information.


Transactions Covered with Overdraft Privilege Standard Coverage Extended Coverage
 Checks             X X
 ACH - Automatic Debits X X
 Recurring Debit Card Transactions X X
 Online Bill Pay Items X X
 ATM Transactions   X*
 Everyday Debit Card Transactions   X*


If you would like to select Extended Coverage for future transactions, call us at 419-407-4140, visit any branch, or click the link below to print and complete a consent form and return to any CCU branch location or via mail to 4140 West Laskey Road, Toledo, Ohio 43623, or email us at


*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.  If you already have Overdraft Privilege Extended coverage, it is not necessary to request it again.  Business accounts automatically have Extended Coverage.


If you change your mind at any point in the future, you can discontinue the Overdraft Privilege in its entirety by contacting us at 419-407-4140 or sending us an email at


What Else You Should Know

  • A link to another account or a line of credit may be a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts.  Use our mobile banking, internet banking, and telephone banking services to keep track of your balance. For additional financial education resources, please visit
  • The $30 Non-Return (Overdraft Privilege/Courtesy Pay) Fee that is charged if you overdraw your account is the same fee amount that is charged if an item is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Non-Return (Overdraft Privilege/Courtesy Pay) Fee or an NSF/Return Item Fee of $30. All fees and charges will be included as part of the Overdraft Privilege limit amount. Your account may become overdrawn more than the Overdraft Privilege limit amount because of a fee.
  • If an item is returned because the available balance in your account is not sufficient to cover the item and the item is presented for payment again, Champion Credit Union will charge an NSF/Return Item Fee each time it returns the item because it exceeds the available balance in your account. If, on re-presentment of the item, the available balance in your account is sufficient to cover the item Champion Credit Union may pay the item, and, if payment causes an overdraft, charge a Non-Return (Overdraft Privilege/Courtesy Pay) Fee.
  • For consumer accounts, there is no limit on the total Non-Return (Overdraft Privilege/Courtesy Pay) Fees per day we will charge.
  • This describes the posting order for purposes of determining overdrafts. ATM and debit card transactions post in the order received throughout the day. PIN-based transactions post immediately, while signature-based transactions post when the merchant submits them for payment in order received. Other credits and debits process in the following order: In the afternoon, ACH credits post, first, in the order received followed by ACH debits. Share drafts post in serial number order. However, because of the many ways we allow you to access your account, the posting order of individual items may differ from these general policies.  Holds on funds (described herein) and the order in which transactions are posted may impact the total amount of Non-Return (Overdraft Privilege/Courtesy Pay) Fees or NSF/Return Item Fees assessed.
  • Although under payment system rules, Champion Credit Union may be obligated to pay some unauthorized debit card transactions, Champion Credit Union will not authorize debit card or ATM transactions unless your account’s available balance (including Overdraft Coverage Options) is sufficient to cover the transactions and any fee(s).
  • Giving us your consent to pay everyday debit card and ATM overdrafts on your consumer account (Extended Coverage) may result in you incurring Non-Return (Overdraft Privilege/Courtesy Pay) Fees for transactions that we would otherwise be required to pay without assessing a Non-Return (Overdraft Privilege/Courtesy Pay) Fee. However, this would allow us to authorize transactions up to the amount of your Overdraft Privilege limit and may also help you avoid overdrafts in excess of your available balance. If you consent to Extended Coverage on your consumer account, it will remain on your account until it is otherwise withdrawn.
  • Champion Credit Union authorizes and pays transactions using the available balance in your account. Champion Credit Union may place a hold on deposited funds in accordance with our Funds Availability Policy Disclosure, which will reduce the amount in your available balance.  The available balance for checks, ACH items, and recurring debit card transactions is comprised of the ledger balance, less any holds on deposited funds and any debit card holds, plus the amount of the Overdraft Privilege limit and any available Overdraft Protection. The available balance for ATM and everyday debit card transactions on accounts with Standard Coverage is the ledger balance, less any holds on deposited funds and any debit card holds, plus any available Overdraft Protection, but does NOT include the Overdraft Privilege Limit. For accounts with Extended Coverage, the Overdraft Privilege Limit is included in the available balance for authorizing ATM and everyday debit card transactions.
  • Please be aware that the Overdraft Privilege amount is not included in your available balance provided through online banking, mobile banking or Champion Credit Union’s ATMs.
  • Champion Credit Union will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules.  In some cases, the hold may exceed the amount of the transaction.  When the hold ends, the funds will be added to the available balance in your account.  If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, a Non-Return (Overdraft Privilege/Courtesy Pay) Fee may be assessed.
  • Except as described herein, Champion Credit Union will not pay items if the available balance in your account (including the Overdraft Privilege limit, if applicable) is not sufficient to cover the item(s) and the amount of any fee(s).
  • Champion Credit Union may prevent your debit card(s) from authorizing transactions if your loan is past due more than 30 consecutive calendar days. Debit cards on your account will remain restricted until you make sufficient payments to bring your loan to a current status.
  • Champion Credit Union may suspend your debit card(s) if your account is overdrawn more than 45 consecutive calendar days. Debit cards on your account will remain suspended until you make sufficient deposits so that your account balance is positive, and you request your card to be issued. We will charge a fee of $25 to reactivate your debit card if we suspend your debit card.
  • If your debit card is suspended, you will be unable to use your debit card(s) for purchases or to access your account(s) associated with the debit card(s) at the ATM while your debit card is suspended.  If you use your debit card for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s).
  • An Overdraft Privilege limit of $600 will be granted to eligible consumer checking accounts opened at least 30 days in good standing.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be suspended if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day. You must bring your account balance positive for at least one business day to have the Overdraft Privilege limit reinstated.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Membership and Account Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand.

 If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at 419-407-4140 or visit any branch location.