Overdraft Line of Credit
At First Californian we understand that members get busy and unexpected things happen. That is why First Californian offers a convenient way to protect members against an overdraft on their checking account. An Overdraft Line of Credit provides members with automatic protection when they need it, up to their established approved credit limit.
Minimum Requirements
- Must meet credit union member eligibility requirements.
- Eligible upon approved credit.
- Minimum credit limit – $100.
- Maximum credit limit – Based upon approved credit.
Product Fees
- Account subject to all General Account Fees (Refer to Services Fee Guide).
- Late Fee: 5% of the monthly payment, minimum $10, maximum $35.
Product Features
- Quick and easy approval.
- Loan payment protection options.
- Monthly itemized statement.
Product Benefits
- Saves Money – Cost is only pennies per day compared to expensive non-sufficient funds and merchant returned check charges.
- Saves member’s reputation – Eliminates the embarrassment of a “bounced check”.
- Protects member’s good credit history.
- Protects member’s from paying high interest rates charged by “Payday Lenders”.
- Fixed rate and payments.
- Free online access.
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