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overdraft privilege

Have you everbeen embarrassed trying to pay for your purchase, but your payment was not being accepted?   Many people every day wonder if their payments will be accepted while trying to purchase household goods. If you want to avoid this situation, extend the overdraft coverage to your Visa Check Card.

The Overdraft Privilege Program protects members from accidental overdrafts when using Checks, ACH (Automatic Clearing House), Online Bill Payer, and recurring Debit Card Transactions. It provides members with a peace of mind knowing they have a $500 “safety net” to cover accidental overdrafts.

Overdraft Privilege does not cover everyday Debit Card Transactions without your consent. If you would like to extend coverage to include everyday Debit Card transactions, please contact Scott at (570) 421-5585 x 1134.

Please review our form regarding Overdrafts. If you would like to Opt-In to the ATM/Debit Card Overdraft Privilege, please complete the form and return it to our office or call our office to give your verbal authorization.


Accounts will be charged the standard Overdraft Fee of $28.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, or other electronic item that is paid and $28.00 for items returned. An overdrawn balance must be repaid within 35 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-five (35) day period for a minimum of 24 hours, if you default on any loan or other obligation to NE PA Community FCU, or if your account is subject to any legal or administrative order or levy.