The Platinum Overdraft program may save you the embarrassment and expense of returned items when you have insufficient funds in your account. There is no application process because this service is automatic for qualifying accounts. Items include preauthorized debits, point of sale (POS) transactions, online bill pay payments, and share drafts/checks. Platinum Overdraft means that we may consider paying your items when possible over the amount available in your checking account, in anticipation that you will be making a deposit immediately to bring your account to a positive balance.
Please note that EECU offers Platinum Overdraft as a member service and is under no obligation to pay items when your account has non-sufficient funds (NSF), even if previous NSF transactions were paid. The Credit Union's current NSF fee is charged to your account for each NSF transaction regardless of whether the NSF transaction is paid or not. Platinum Overdraft is a discretionary member service. If you would prefer not to have this service applied to your account, please call our Member Service Center at 1-800-538-3328 and we will remove you from the program.