Silver State Schools Credit Union
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Overdraft Protection

Overdraft Protection

Your SSSCU savings account or personal line of credit may be used to provide overdraft protection for your SSSCU checking account. So you'll have the extra security of knowing your checks will be honored when life's little emergencies occur. You will still be charged an overdraft transfer fee service non-sufficient funds fee. But you will be saved the additional, and often steep, expense of another fee being charges by the receiving merchant or business.

  • Save embarrassment and inconvenience of returned checks
  • Saves the return check fee assessed by merchant of receiving financial institution
  • Protects you against simple mistakes
  • Automatically covers you if you overdraw your account
  • Coverage protects against ATM withdrawals as well as check and debit card transactions

Courtesy Pay

Courtesy Pay is our new safety net that covers overdrafts from checks, ATM withdrawals, ACH (for automatic bill payments), and debit/check card transactions.  A Courtesy Pay fee of $32 will be assessed for each overdraft.

How to get Courtesy Pay

If you want Courtesy Pay, you need to opt in. If you don't have either Courtesy Pay or Overdraft Protection from a Regular Savings Account or Personal Line of Credit, we can't cover the shortfalls that may occur at the store, gas station, ATM, or wherever else you swipe your Visa® Debit card.

Courtesy Pay is not available for members who have an Overdraft Line of Credit account.

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More Options


Additional Checking Protection options include Overdraft Line of Credit and Automatic Savings Transfers.

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