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.

woman with umbrella

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 is 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 can I access my Member Privilege?

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

Have Questions?

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