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Overdraft Protection

We’re human. We make mistakes. At one time or another, we've all miscalculated how much money we have in our checking account. At Riverset, we offer overdraft services that can help you when life has gotten in the way.

If you have the money in your savings account, we'll transfer it to your checking to cover the incoming transaction for a fee of $5.00. This is the first line of attack to cover an incoming item. If the funds are not available, Overdraft Advance is the next step. (Please note that you must opt-in to overdraft coverage at ATMs and for single debit card transactions. To do that, click here.)

Overdraft Advance

Overdraft Advance will provide you a cushion that may permit you to overdraft your account up to a specified limit assigned by Riverset. This will eliminate the extra expense and embarrassment of having a check returned.

Overdraft Advance is a non-contractual program that requires no action on your part. You do not have to sign any agreements or other paperwork and this program will be extended to you as long as you are able to keep your deposit accounts in good standing, which is outlined by making regular deposits and returning your checking account to a positive balance at least once every thirty (30) days. You will be assigned an overdraft limit by Riverset credit union, and your overdrafts will be covered up to that limit. Each transaction that we honor will be applied the normal insufficient fund fee. We’ll then send you notification each time your account is overdrawn, and you will also receive periodic reminders if your account is not returned to good standing.

Keep your account in Balance!

Need some advice on how to manage your checking account and avoid overdraft fees? BalanceTrack is a complete series of unique financial learning tools that can help you with your personal finances. Best of all — it's free!

For more financial education, visit our Financial Counseling page.

Other Checking Account Services

• Visa Debit Card
• Check Reorder
• Overdraft Opt-In

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