Protect yourself from unexpected overdrafts with Overdraft Privilege.

Mistakes will happen.  We protect you when they do.

We help protect you from unexpected overdrafts and bounced checks with Overdraft Privilege. Should a check, ACH or recurring debit card transaction attempt to clear your account when you don't have funds available, we may allow the transaction to post, preventing the item from being returned.  Your account will have a negative balance and you will be assessed a small fee.

To protect your account from ATM and everyday debit card declined transactions, download this form.


  • Protect yourself from unexpected overdrafts
  • Up to $700.00 in protection
  • $30.00 fee per use


  • Be a member for 61 days
  • Age 18+
  • Have a checking account
  • No loans more than 30 days past due
  • No charged-off accounts
  • No levies, garnishments or bankruptcies
  • Repay any negative balances within 35 days
Protect yourself with Overdraft Privilege!
* Accounts will be charged an Overdraft Privilege fee of $30 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid or the Standard Overdraft fee of $30 for items returned unpaid.  An overdrawn balance must be repaid within 35 days.  We may not pay items through overdraft privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-five (35) day period for a minimum of 24 hours, if you default on any loan or other obligation to Chesterfield Federal Credit Union or if your account is subject to any legal or administrative order or levy.
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