Life happens! Kerr County FCU understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.
Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:
| Service | Cost |
|---|---|
| Overdraft Protection Link to another Deposit Account you have at Kerr County FCU1 | No fee per transfer |
| Overdraft Protection Line of Credit2 | Subject to fees + interest |
| Member Privilege | $27.50 Overdraft Fee per item |
Member Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Member Privilege is still available as secondary coverage if the other protection source is exhausted. Click here for other important information or click here for the Overdraft Privilege Form.
We do authorize and pay overdrafts for the following types of transactions:
We will not authorize and pay overdrafts for the following types of transactions without your consent.
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.
Under our standard overdraft practices:
1If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (830) 896-6800, email us at info@kerrcountyfcu.com, or complete this form and present it at a branch or mail it to: 3700 Memorial Blvd. Kerrville, Texas 78028. You can revoke your authorization for Kerr County FCU to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.
2subject to credit approval.