You will receive an overdraft notice each time items are paid, including fees.  You will need to subtract the total fees when balancing your checkbook.

As long as you maintain your account in "good standing," we may approve your overdraft items within your current available Member Privilege limit as a non-contractual courtesy.   

For overdraft privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end –of-day balance at least once every 30 days (including the payment of all Credit Union fees and charges); (2) avoid excessive overdrafts suggesting the use of Member Privilege as continuing line of credit; and (3) there are no legal orders, levies or liens against your account.

For additional information regarding Member Privilege, click here. 

You should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days.  If you are not able to do so, you will receive a letter from OHecu informing you that your Member Privilege limit has been suspended and additional items will be returned. 

If you are a new member, you may be able to use the overdraft privilege service 30 days after your account is opened, assuming your account is in "good standing." 

For overdraft privilege consideration, your account is in “good standing” if you (1) make sufficient deposits to bring your account to a positive end –of-day balance at least once every 30 days (including the payment of all Credit Union fees and charges); (2) avoid excessive overdrafts suggesting the use of Member Privilege as continuing line of credit; and (3) there are no legal orders, levies or liens against your account.

For additional information regarding Member Privilege, click here. 

The chart below shows the different ways you can access your Member Privilege limit and indicates whether or not this limit will be reflected in the balance provided.  

**Member Privilege service will be made available for ATM or everyday debit card transactions upon your request.  Call the 24/7 Membership Service Center 877-322-6328 or visit one of our branches to arrange for your ATM and debit card coverage.

The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your checkbook regularly and manage your finances responsibly.  However, if a mistake occurs, OHecu offers additional ways to cover overdrafts in addition to Member Privilege. 

*These costs are provided only as examples.  Please see OHecu Fee Schedule for specific fees.

There is no additional cost associated with this privilege unless you use it.  You will be charged our Member Privilege Paid Item in Lieu of Return fee of $35 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction, or a recurring debit card payment.  Also, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases.  You will be charged our Member Privilege ATM or Debit Card Overdraft fee of $35 for each of those items paid.  For additional information, click here.

If you would like to have this service removed from your account, please contact the 24/7 Membership Service Center at 877-322-6328 or visit one of our branches.

Overdrafts above and beyond your established Member Privilege limit may result in checks or other items being returned to the payee.  The Return Share Draft (Check) fee of $35 will be charged per item and assessed to your account.  An NSF notice will be sent to notify you of items paid and/or returned. 

Member Privilege ℠ is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit.   Your Member Privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment.  Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday purchases using your limit.  For additional information, click here.

Checking and Money Market Accounts each have a $500 limit.  If you have multiple accounts for your household, you may have a limit on all eligible accounts, but OHecu reserves the right to limit the total Member Privilege limits to members with multiple accounts.