Overdraft Privilege Opt-In Form                          ODP Brochure


What You Need To Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.  We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. 2. We also offer overdraft protection plans, such as a link to another account or a line of credit, which may be less costly than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

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.

What fees will I be charged if Ukrainian Federal Credit Union pays my overdraft?

Under our standard overdraft practices:

What if I want Ukrainian Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?


If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (877) 968-7828, visit our website at http://www.rufcu.org/personal_services.php, complete the form below and present it at a branch or mail it to: 824 Ridge Rd. East, Rochester, NY 14621. You can revoke your authorization for Ukrainian Federal Credit Union 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.
I do not want Ukrainian Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions.
I want Ukrainian Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions.


Enter Your Name
Date mmddyyyy
Last Four (4) digits of your Account
Number

Type verification image: verification image, type it in the box