Life Happens. We're Here to Help.

At times, life can be unpredictable and cause us to lose track of our expenses or account balances. Having a check or other payment returned due to insufficient funds can be costly and inconvenient. That's why we provide Member Privilege, an overdraft service for OHecu's accountholders.  

What is Member Privilege?

Member Privilege is a discretionary, noncontractual overdraft service that may cover transactions when your available balance isn't enough, up to a set limit.

It may be used for:

  • Checks
  • ACH and automatic bill payments
  • Recurring debit card payments

With your consent (opt-in), we may also authorize ATM and one-time debit card transactions using your available balance and Member Privilege limit.

How it Works

Member Privilege is a discretionary service, not a guarantee. We may decline to cover an overdraft at any time—even if we've approved one in the past.

Your account may become overdrawn by:

  1. Checks, transfers, or withdrawals
  2. Authorized debit card transactions
  3. Returned deposited items
  4. Account fees
  5. Deposits not yet available per Funds Availability Policy

We may decline to pay an overdraft for reasons including, but not limited to:

  • Your account not meeting eligibility requirements
  • The transaction exceeding your assigned overdraft limit
  • You've opted out of coverage for certain transactions

Returned items are subject to an Insufficient Funds fee of $35.00 per item.

If eligible, we may cover overdrafts as a courtesy—not a guarantee. You should bring your account to a positive balance as soon as possible and must do so within 30 calendar days.

If your account is not brought current within 30 days, your Member Privilege limit will be suspended, and additional items may be declined or returned. Coverage may be reinstated once your account is returned to good standing.

What Does it Cost?

There's no fee unless you use the service. If you do use the overdraft limit:

  •  You'll be charged our Member Privilege Item Paid in Lieu of Return fee of $35.00 per overdraft item for checks, ACH payments, recurring debit card transactions, etc.
  • We do not cover ATM and one-time debit card transactions unless you opt in. If you opt in, and a transaction posts with insufficient funds, you may be charged our Member Privilege Item Paid in Lieu of Return fee of $35.00 per item. 

View full Member Privilege Terms & Conditions.

How to Opt In or Out

To add or remove coverage for ATM and one-time debit card transactions under Member Privilege, you can:

  • Call 800-552-6328
  • Or visit any branch

You can also remove Member Privilege entirely at any time. Note: You're still responsible for any overdrawn balances or related fees.

What's My Limit?

Thirty (30) days after account opening, an overdraft limit may be assigned based on your account type and eligibility, assuming your account is in good standing*. 

  • Select Checking..................................$500.00
  • Signature Checking...........................$500.00
  • Student Signature Checking...........$500.00

OHecu reserves the right to limit participation to one checking account per household.

Are There Other Overdraft Options?

Yes! We also offer:

These may be more cost-effective than Member Privilege.

View full Member Privilege Terms & Conditions.

*For Member Privilege consideration, your account is in good standing if you (1) make sufficient deposits to bring your account to a positive end-of-day balance at least once every 30 days (including the payment of all Credit Union fees and charges); (2) avoid excessive overdrafts suggesting the use of Member Privilege as continuing line of credit; and (3) there are no legal orders, levies or liens against your account.