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Overdraft Protection Services


Overdraft Privilege (ODP) works as a backup to your checking account for those times when you make an honest mistake balancing your account. ODP covers overdrafts and automatically pays them up to your Overdraft Privilege limit to help save you the embarrassment of being denied at the register or of having a check returned.1

  • There is no cost to sign up for this service and no monthly or annual fee
  • You are only charged an Overdraft Privilege fee only when you actually overdraw your account and ODP covers the overdrawn amount
  • All eligible checking accounts already feature basic ODP benefits that cover most check and Bill Payer transactions
  • You must opt-in to have ODP cover ATM transactions or one-time debit card purchase transactions

Learn more about opting-in to Overdraft Privilege coverage for ATM and one-time debit card transactions.


1Overdraft Privilege: Health Savings Checking, Money Market Checking, Trusts, and Custodial Fiduciary accounts are not eligible for ODP coverage. All other SCCU checking accounts are eligible for ODP coverage. Limits are based on your account relationship with SCCU. Please refer to your account opening package, visit a local branch or call the Member Service Center for more information concerning your specific ODP limit. When a transaction is presented that exceeds the ODP limit, it is returned unpaid and the account is charged our non-sufficient/uncollected funds fee. Learn more about opting-in for ATM and debit card transactions.
  • SCCU Routing Number: 263177903
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Space Coast Credit Union membership is open to all who work or live in Brevard, Broward, Flagler, Indian River, Martin, Miami-Dade, Monroe, Orange, Osceola, Palm Beach, Seminole, St. Johns, St. Lucie, or Volusia Counties in Florida.

  • Brevard: 321-752-2222
  • Broward: 954-704-5000
  • Miami-Dade: 305-882-5000
  • All Other Areas: 800-447-7228

*APR = Annual Percentage Rate. ^APY = Annual Percentage Yield.

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Member Rewards

Member Rewards is an exclusive Space Coast Credit Union program that provides benefits such as free or discounted services based on your level of participation in the credit union.

  • Gold members may order one FREE box of SCCU logo checks per year.
  • Platinum members may order unlimited FREE boxes of SCCU Exclusive Style checks (one box at a time).
Learn more about the Member Rewards program.