Overdraft Privilege

What you need to know
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it any way. We can cover your overdrafts in two different ways:
  • We have Standard Overdraft Privilege that comes with your account
  • We also offer Overdraft Protection, such as a link to another account or a line of credit, which may be less expensive than our Standard Overdraft Privilege. To learn more, ask a Member Service Representative about these plans
What fees will I be charged?
Under our Standard Overdraft Privilege:
  • We will charge you an Overdraft Fee of $25.00 each time we pay an overdraft
  • There is a limit of seven (7) per day on the total fees we can charge you for overdrawing your account
Standard Overdraft Privilege that Comes with Your Account: If you Choose to Opt-in for Extended Overdraft Privilege:
We will 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 will authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number
  • Automatic bill payments
And...
  • 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 will not authorize and pay an overdraft, your transaction will be declined.

How to Opt-in for Extended Overdraft Privilege
Online Banking
  1. Log into Online Banking
  2. Select Messages on the left-hand navigation
  3. Start a new conversation
  4. Send a message to Member Service requesting "Extended Overdraft Privilege"
In Person
Visit any Valley First Branch location during business hours and speak to a Member Service Representative to opt-in

Find a branch location near you
Opt-in Form
Download and mail your completed form to:

Valley First Credit Union
PO Box 1411
Modesto CA 95353-1411
By Phone
Opt-in by calling Member Service at:

(877) 549-4567













How to Opt-out
You may opt-out of Standard or Extended Overdraft Privilege by visiting any Valley First branch or by calling 
(877) 549-4567.