Overdraft Protection

Avoid declined transactions with Overdraft Protection*

How Overdraft Protection Works

Overdraft Protection ensures that your checks, ATM withdrawals and debit card transactions are covered in the event you do not have a positive available balance in your account. 

  • A $36 fee will be charged for each overdraft
  • No fee is charged if this service is never used
  • Account must be brought to a positive available balance within 30 days of overdrafting

Overdraft Privilege protection is a discretionary program made possible by Ideal CU. We reserve the right not to pay items and may be suspended or permanently removed from the member's account if the account is not brought to a positive available balance within 30 days of overdrafting your account.

Opt-In to Overdraft Protection
Opt-Out of Overdraft Protection

Have questions?

If you have any questions regarding this service, call us at 651-770-7000 or visit any Ideal CU branch.


*An Overdraft Protection fee of $36 will be imposed for each overdraft created by checks, ACH transactions or other electronic means, as applicable. Account balance must be brought to a positive available balance within every 30 day period. Ideal CU in its sole and absolute discretion can cease paying overdrafts at any time without prior notice.

With Overdraft Protection, Ideal Credit Union may pay overdrafts within the discretionary overdraft privilege limits, but payment by Ideal Credit Union is a discretionary courtesy and not a right or obligation. The limits on this discretionary overdraft service for consumer and business checking accounts are dynamic, meaning they can change daily based on specific account activity. Any and all fees charged, including without limitation the non-sufficient funds fees, will be included in the dynamic daily limit. You agree to hold the credit union harmless for any and all liability that may otherwise exist if an overdraft payment does not occur. See Membership Agreement for detailed information on available balance.