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Click here and opt-in to Overdraft Protection
for your ATM and XPRESS Check Card.

 

Click here to learn what is changing,
how to avoid being declined and more.

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Overdraft Protection Opt In Form

 

What You Need to Know about Overdrafts &

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. We also offer Overdraft Protection plans, such as a link to a Savings or Money Market Account, which may be less expensive than our standard Overdraft practices. To learn more, ask us about these plans.

  

► What are the standard Overdraft practices that come with my account?

 

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 do not authorize and pay Overdrafts for the following types of transactions unless you ask us to (see below):

    • 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.

 

► What fees will I be charged if Paragon pays my Overdraft?

 

        Under our standard Overdraft practices:

 

    • We will charge you a fee of $35 each time we pay an Overdraft
    • Also, if your account is overdrawn for 20 or more consecutive business days, we will charge an additional $2 per day
    • There is no limit on the total fees we can charge you for overdrawing your account

 

► What if I want Paragon Federal Credit Union to authorize and pay Overdrafts on my ATM and everyday Debit Card transactions?

 

If you also want us to authorize and pay Overdrafts on ATM and everyday Debit Card transactions complete the form below or call (800) 222-8877.
 
I want Paragon Federal Credit Union to authorize and pay overdrafts on my ATM and everyday Debit card transactions.
 
First Name: Middle Initial: Last Name:
 
Date: MM/DD/YYYY
 
Account Numbers:
 
 
 
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