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Overdraft programs

Options for peace of mind

Whether it's a miscalculation, car repairs, medical expenses, or an unexpected expense, we understand that overdrafts happen. Firefly is here to help with checking protection options to make sure you're covered.

Peace of mind

Peace of mind

Find comfort knowing your
transaction could be covered.

Debit Card Overdraft Privilege

Debit Card Overdraft Privilege

Option to opt-in to cover your debit card transactions.
Avoid Late or Returned Fees

Avoid Late or Returned Fees

With overdraft options, bill payments could
be covered to help avoid late fees.
Overdraft Privilege1

This service may allow you to clear transactions (checks, automatic withdrawals, and bill payments) on your account, even when you have insufficient funds for a $32 service charge per item covered. Upon qualifying, this service is automatically set-up on your checking account and may be used at our discretion.
 

1 Overdraft Privilege: Qualifications apply. This privilege does not apply to ATM or non-recurring debit card transactions. If you utilize this privilege you will have thirty (30) calendar days to reimburse us for the covered item(s) and service charge(s). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned for non-sufficient funds, which could incur a service charge. Please contact us to learn more or review Provision 6.l. of the Member Service Agreement. Insured by NCUA.

Debit Card Overdraft Priviledge2

Debit Card Overdraft covers most debit card transactions when there are not enough funds in your checking account. There is a $32 service charge per item covered. Opting-in to this convenience makes it easy to avoid a declined transaction and provides a "safety-net" if you must overdraw your account in an emergency situation – like roadside emergencies or an empty gas tank.

If you'd like to opt-in to Debit Card Overdraft Privilege, please contact us.
 

2 Debit Card Overdraft Privilege:  Qualifications apply.  This privilege does not apply to ATM transactions.  This privilege covers non-recurring debit card transactions.  If you utilize this privilege you will have thirty (30) calendar days to reimburse us for the paid items(s) and service charge(s). We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.  Please contact us to learn more or review provision 6.l. of the Member Service AgreementInsured by NCUA.

ReadyCashSM Overdraft Protection Loan3

ReadyCash, our Overdraft Protection product, is a line of credit accessed to help avoid the inconvenience and expense of an overdraft or returned item. If there is an overdraft to your checking account, ReadyCash will automatically advance the exact amount needed to cover the transaction.
 

Personal (Unsecured)

APR
Effective January 1, 2021

ReadyCash Overdraft Protection 12.74% Minimum payment of $20 or 3% of the total balance
Apply for ReadyCash*

*Please note all new member online applications will be opened at TruStone Financial as we finalize our merger. Existing members should call or visit to apply.
 

3 ReadyCash Overdraft Protection Loan: Rate subject to change. Qualifications apply. Late payment charge: 10% of the required minimum payment due, or $30.00, whichever is less. If you qualify and we agree to provide this service, we will pay your checks, EFTs, or debit card transactions drawn against insufficient funds by transferring funds from a ReadyCash to a checking account with us. Transfers from a ReadyCash to a checking account are governed by a separate loan agreement. Please contact us to learn more.