Member Privilege

Member Privilege is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit.

What is Member Privilege?

Member Privilege is an overdraft service requiring no action on your part. You don’t have to sign anything. Your Member Privilege limit amount will be automatically assigned. Your Member Privilege limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit.

How does Member Privilege work?

When your account in “good standing,” we may approve your overdraft items within your current available Member Privilege limit as a non-contractual courtesy. For overdraft privilege consideration, your account must be in good standing.


  1. Obtain a positive end-of-day balance at least once every 30 calendar days
  2. Avoid excessive overdrafts
  3. There are no legal orders, levies or liens against your account.

How soon can I use my Member Privilege?

If you are a new account holder, you may be able to use the Member Privilege service 30 days after the account is opened, assuming you demonstrate responsible account management by making regular deposits to maintain your account with a positive balance, and there are no legal orders, levies or liens against your account.

How can I access my Member Privilege?

  • Teller
  • Writing a Check
  • Mastercard Debit Card (recurring)
  • ACH-Auto Debit
  • Bill Pay

What is my Member Privilege limit? Can Member Privilege be on multiple checking accounts?

All eligible checking account types have a $500 limit. If you have multiple accounts for your household, you are limited to one eligible account.

What if I go beyond my Member Privilege limit?

Overdrafts above and beyond your established Member Privilege limit may result in checks or other items being returned to the payee. The Returned Item NSF fee of $25.00 will be charged per item and assessed to your account. An NSF notice (Insufficient Funds) will be sent to notify you of the items paid and/or returned.

What does Member Privilege cost?

There is no additional cost associated with this privilege; you pay for it when you use it. You will be charged our Member Privilege fee of $25.00 for each overdrawn item created by check, in-person check clearing withdrawals, an automatic payment (ACH) transaction, or a recurring debit card payment paid under the limit. You will not be charged more than six (6) Member Privilege or NSF (Non-Sufficient Funds) fees per day.

How will Member Privilege affect my balance?

Items will clear your account based on you “available” balance. Preauthorized debit card transactions may be held in a pending status on your account affecting your “available” balance. Fees are assessed at the time of posting depending on your “available” balance. Available Balance: The amount of funds in your account available for use. Actual Balance: The amount of funds in your account at any given time. It reflects transactions that have posted and cleared your account, but not items that are outstanding.

How quickly must I repay Member Privilege?

Items will clear you should make every attempt to bring your account to a positive end-of-day balance as soon as possible, and must do so within 30 calendar days.

Have Questions?

Please feel free to contact us by email or calling 1-800-281-5435.