Overdraft Coverage

Mistakes happen. Avoid getting declined.

When a mistake happens, we can help fill the gap

There are times when an oversight leads to you overdrawing your account. Instead of your checks and bill payments being declined, WCCU's Overdraft Coverage takes care of it for you.

We can cover your overdrafts in different ways:

Service Cost
Overdraft Protection Link to Another Deposit Account you have at WCCU1 $5 fee per transfer
Overdraft Protection Line of Credit1,2 Subject to fees and interest
Overdraft Privilege $29.50 Overdraft Privilege Service Charge per Item

For more information about these options and to help you become more educated about Overdraft Protection and what actions are covered, please read this notice explaining our standard overdraft practices.

To apply for Overdraft Protection, please complete this form.

  • First Name is a required field.
  • Last Name is a required field.
        • Account Number (1) is a required field.
            • Date is a required field.
            • Authorization is a required field.
            • reCAPTCHA is a required field.


            We do authorize and pay overdrafts for the following types of transactions:
            • Checks and other transactions made using your Checking Account number
            • Automatic bill payments

            We will not authorize and pay overdrafts for the following types of transactions without your consent.
            • ATM transactions
            • Everyday debit card transactions

            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:
            • You will receive a service charge of up to $29.50 each time we pay an overdraft
            • There is no limit per day on the total fees we can charge you for overdrawing your account
            If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (401) 596-7000, click here to send us a secure message or to sign up using eBanking, complete and submit the secure form below, or print it and present it at a branch or mail it to: 122 Granite Street, Westerly, RI 02891. You can revoke your authorization for Westerly Community 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.
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            1 Call us at (401) 596-7000, email us securely in Online Banking, or come by a branch to sign up or apply for these services; 2 Subject to credit approval.

            Note: You can discontinue Overdraft Privilege in its entirety by contacting us at (401) 596-7000 or sending us a send us a secure email using Online Banking.