Checking Protection Options

• We will COVER debit card transactions, checks, bill pays, or ACH transactions even if there isn’t enough money available in your account (up to a $500 total limit). For each transaction that is covered, you will be charged a Member Privilege fee (see Fee Schedule).

• We will NOT COVER debit card transactions if there is not enough money in your account. Your card will be declined; there is no fee when this happens.
• We will NOT COVER checks, bill pays, or ACH transactions if there is not enough money in your account. You will receive a non-sufficient funds fee from Great Basin for each transaction (see Fee Schedule). You will also be subject to a fee from the payee/merchant for the returned transaction and possibly a late payment.

• We will NOT COVER debit card transactions if there is not enough money in your account. Your card will be declined; there is no fee when this happens.
• We will COVER checks, bill pays, or ACH transactions even if there isn’t enough money available in your account (up to a $500 total limit). For each transaction that is covered, you will be charged a Member Privilege fee (see Fee Schedule).

All checking accounts are automatically set up to transfer from the Essential Share Savings to cover an overdraft.

Additionally, you can request to set up this type of automatic transfer from other sub-accounts you have (like a Secondary Share or Money Market) or lines of credit (like your Visa Credit Card).