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.
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.
Overdraft 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.