LINE OF CREDIT
 Agriculture
FCU offers two methods of Overdraft Protection
to our members — Member
Privilege® and the GOAL
line of credit.
GOAL
GOAL (Golden Opportunity Action Loan) is a special
credit plan that provides more buying power.
With a GOAL Line of Credit, you can borrow as
often as you wish, within the approved dollar
limits, by simply writing a personal share draft
check. GOAL also provides overdraft protection,
making sure you avoid the embarrassment of returned
checks.
To apply for the loan you want today, simply
Phone toll free 888-451-LOAN, stop by any branch
location, or use our Online
Loan Application.
Member Privilege®
Member Privilege® provides all members with a special overdraft protection benefit. This benefit may:
- Provide you with a safety net up to $600, including our non-sufficient funds (NSF) fee (per item) that may protect you if you overdraw your account.
- Save you the additional charges associated
with having a check returned to a merchant
or creditor.
Members do not have to sign
anything to get this new service, and there
are not any fees aside from the normal NSF fee
for each item overdrawn. The limit will not
be included in your balance provided by a teller,
at the ATM or through Internet Banking or Audio
Response Teller (ART).
Please be aware that if you
overdraw your checking account due to an ACH,
ATM (withdrawal, point-of-sale purchases or
debit), Visa Check Card (withdrawal, point-of-
sale purchases or debit) transaction or writing
a check, your Member Privilege account will
be activated for the funds available and you
will be charged a $30.00 fee for each transaction.
If you have available
funds in your savings account or goal line,
a transfer will be made from that account first
to cover the overdraft, before your Member Privilege®
is activated.
AFCU encourages members to
manage their finances responsibly; however,
the Member Privilege® is designed to offer help
when you need it as long as your checking
account remains in good standing (defined
as making regular deposits and bringing the
account to a positive balance whenever it becomes
negative).
Member
Privilege® Overdraft Policy
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