Overdraft Coverage Options

Overdraft Privilege and Overdraft Protection

Life moves quickly, and unexpected expenses can pop up and lead to accidental overdrafts. At Navigant Credit Union, we do our best to work with our members to solve those problems so that you can continue moving along your financial journey.

The choice is yours. Consider these ways to cover overdrafts:

Service	Cost
Overdraft Protection Link to Another Deposit Account you have at Navigant Union¹	Overdraft Transfer Fee: refer to fee schedule
Overdraft Protection Line of Credit^{1, 2}	Subject to fees + interest
Overdraft Privilege	Insufficient Funds Fee (Paid) per item: refer to fee schedule

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account, or line of credit you may have at Navigant Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Click here for the full Overdraft Privilege disclosure.


Transactions Covered with Overdraft Privilege	Standard Coverage (No action required)	Extended Coverage (Your consent required on consumer accounts) *	If you would like to select Extended Coverage for future transactions: call us at 401-233-4700 visit any branch complete this online consent form or e-mail us at info@navigantcu.org complete this consent form and mail it to us at 1005 Douglas Pike, Smithfield, RI 02917
Checks	X	X
ACH - Automatic Debits	X	X
Recurring Debit Card Payments	X	X
Online Bill Pay Items	X	X
Teller Window Transactions	X	X
ATM Withdrawals		X*
Everyday Debit Card Transactions		X*

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard
Coverage.

You can discontinue the Overdraft Privilege in its entirety or opt-out of Extended Coverage by completing this form or contacting us at 401-233-4700.

Apply for a cash reserve line of credit

¹Call us at 401-233-4700, email us at info@navigantcu.org, or come by a branch to sign up or apply for these services;
²subject to credit approval.

*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.