TTCU offers two Overdraft Protection options which may help you avoid returned checks and additional fees:

• Overdraft Protection Account Transfer
• Overdraft Protection Loan Advance

By completing an Overdraft Protection request, you can identify savings accounts and/or loans as sources of payment for overdrafts.  In other words, you can authorize TTCU to treat any check(s) or other debit(s) that exceeds your account’s available balance as (1) a request for an Overdraft Protection transfer and/or (2) a request for an Overdraft Protection loan advance (loan application and approval required) from the accounts you list and in the priority order you choose.

Overdraft protection accounts of another member must be authorized by that member via a Cross-Account Access Authorization form.  Without the completed request and/or authorization, items that overdraw your account will continue to be returned or honored (if eligible for Overdraft Privilege) for a fee of $30/item. 

For Overdraft Protection Account Transfer, complete the following form(s) and fax to 205.758.3696, Attention: Member Service.  

Overdraft Protection Request

Cross Account Access Authorization

For Overdraft Protection Loan Advance, click here for more information. 

Certain limitations and restrictions apply.  There is no NSF fee for items honored from an Overdraft Protection Account Transfer or Overdraft Protection Loan Advance.  Interest chages on overdraft protection loans do apply. 

Effective May 1, 2010, overdraft protection notices were no longer mailed.  Also, the Overdraft Protection loan advance increment has changed from $50 to exact amount needed to cover deficiency.