Woman looking at phone with credit card in hand

Overdraft options

We get it...mistakes happen. That's why Solarity has options to protect you in case of Non-Sufficient Funds (NSF) or when your account balance is restricted due to holds or deposits that aren't available yet.  When this happens, merchants can decline your debit transaction or reject your check payment. But don't worry, we've got your back.

Overdraft protection for peace of mind

You have options to protect you from merchant fees, hassle and embarrassment if your checking account is overdrawn or if funds are unavailable due to holds.

checkbook-icon-blue checkbook-icon-orange
Courtesy Pay

Protects you from NSF merchant fees for checks, bill payments and recurring charges tied to your checking account number.

cash-icon-blue cash-icon-orange
Overdraft transfers

If your account is overdrawn, this option will initiate an automatic transfer from your savings account or line of credit to cover the shortfall.

features-3-blue features-3-orange
ATM and debit card coverage

This optional protection covers your ATM withdrawals and everyday debit card transactions so your purchase isn't declined.

Husband and wife cooking in the kitchen with their three kids

You're automatically covered with Courtesy Pay

We've got you covered with automatic enrollment in Courtesy Pay.* If your checking account doesn't have enough available funds, Courtesy Pay covers the following:

  1. Checks
  2. Recurring payments tied to your checking account number
  3. Bill payments scheduled in online banking or the mobile app**

Opt-in for additional coverage

Overdraft transfers
Link your checking account to a savings account or line of credit. When needed, funds will be transferred automatically to cover you. This option may be less expensive than Courtesy Pay so be sure to ask us for more information.

ATM withdrawals and debit card transactions
We don't automatically cover ATM withdrawals or debit card purchases for insufficient funds. You can, however, request coverage for these situations (except at Smart ATMs). Chat with us to see what your options are. 

Important considerations
Solarity charges a fee each time we pay an overdraft through Courtesy Pay (view our Fee Schedule). If you don’t want Courtesy Pay added to your checking account, let us know.

Note: if you opt out of Courtesy Pay, checks or other transactions that are returned for insufficient funds may result in a fee from the merchant.

Contact us to discuss your options Explanation of Overdraft Services (PDF)

You might also be interested in:

Washington Home Loans FAQ

Home Loans

We'll help you find the perfect loan, whether it's for an upsize, downsize, first home or refinance.

Find your home loan
Solarity RV Loans in Washington

RV loans

Let us help finance your outdoor fun with loans on campers, motor homes, travel trailers and more

Let's go
Solarity Credit Union Credit Cards

Solarity Visa®

Whether you have a long credit history or are looking for a fresh start, we have a card for you.

Spend with ease

Would you like to discuss your overdraft protection options?

Get in touch with us if you'd like to change or add to your existing protection against merchant fees that can occur with an overdrawn account.

Call a SolarityCU Expert Icon talk-to-an-expert-1-orange
Call

Call 800.347.9222 and talk to one of our friendly team members. We'll help you get the coverage you need.

Dial for me
locations-2-blue locations-2-orange
Stop by

Stop by a branch to say hello and get to know your local financial experts.

Find a branch

 

Helpful articles and information

 

holiday-giving_thumb

Solarity hosts toy drive to benefit children of YWCA Yakima and Sage Advocacy Center

Solarity is hosting a toy drive this holiday season to brighten the spirits of children in our community. We’re collecting toys for kids of all ages to help local familie...

Read more Url icon image Url icon hover image

Solarity Credit Union donates $800,000 to YWCA Yakima's capital campaign

On November 5, 2024, Solarity Credit Union gave a huge boost to the YWCA Yakima capital campaign. Solarity’s $200,000 donation was matched by a 3-to-1 grant from the Fede...

Read more Url icon image Url icon hover image
Protect-Yourself-Against-Romance-Scams-Thumb

Protect yourself against romance scams

Being aware of familiar warning signs will help you protect yourself from romance scams, which can have devastating emotional and financial consequences.

Read more Url icon image Url icon hover image
Solarity will charge a fee of up to $33 each time it pays an overdraft. This fee may be imposed for overdrafts created by checks, automatic bill payments and other transactions made using your checking account number. We will not pay overdrafts for debit card purchases or ATM withdrawals unless you tell us you want coverage for these types of transactions. There is no limit to the total fees that can be charged per account. Repayment of overdraft balance and fees is due immediately and payable upon demand. If payment is not made within 20 days, Courtesy Pay may be suspended. Whether your overdrafts will be paid is at the discretion of the credit union, and we reserve the right not to pay. For example, you must be at least 18 years old and not past due on any Credit Union obligation. All rates and fees subject to change. View our Explanation of Overdraft Services for more details.

Message and data rates may apply depending on your cell phone plan. Please contact your wireless carrier for more information.