Life happens!
USPS FCU understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.
The choice is yours. Consider these ways to cover overdrafts:
Overdraft Protection Link to Another Deposit Account
(Ex. Savings) – $2 fee per transfer1
Overdraft Protection Line of Credit
Subject to interest2
Overdraft Privilege
$30 Overdraft fee per item presented*
*Per item presented means each time an item is presented, including representment.
Overdraft Protection
Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at U. S. Postal Service FCU for a finance charge. Please note that overdraft lines of credit are subject to credit approval.
Overdraft Privilege
Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Please contact us at 800-877-7328 for other important information about Overdraft Privilege.
Which coverage is best for you?
| Transaction Covered with Overdraft Privilage | Standard Coverage (No action required) | Extended Coverage (Your consent required) |
| Checks |  | |
| ACH - Automatic Debits | | |
| Recurring Debit Card Payments | | |
| Online Bill Pay Items | | |
| Online Banking Transfers | | |
| Telephone Banking | | |
| Teller Window Transactions | | |
| ATM Transactions |  | |
| Everyday Debit Card Transactions | |
Extended Coverage
If you would like to select Extended Coverage for future transactions, you will need to do one of the following:
- Complete this online consent form, then fax it to 301-856-4061
- Call us at 800-877-7328
- Visit any of our branch locations
- Mail your completed form to us at:
7905 Malcolm Road, Suite 311 Clinton, MD 20735 - Email us at uspsfcu@uspsfcu.org
*You can discontinue the Overdraft Privilege in its entirety by clicking here andcompleting this form(opens in a new window) and then mail it to 7905 Malcolm Road, Suite 311, Clinton, MD 20735-1730, fax it to 301-856-4061, or email it to uspsfcu@uspsfcu.org.
1To select your overdraft transfer options, call us at 800-877-7328, email us at uspsfcu@uspsfcu.org, or come by a branch to sign up or apply for these services; 2Subject to credit approval.
Overdraft Disclosure: 1A fee will be imposed for overdrafts created by checks, ACH, Point-of-Sale, ATM withdrawals, in-person withdrawals, or by other electronic means.2 Overdraft balances must be covered within 32 days. 3An overdraft will not be paid if the available balance, including Overdraft Privilege limits, is insufficient to cover the item.
NEW! Digital Issuance
Follow these simple instructions and start using your digital card today.
Digital Issuance provides secure real-time ability so you can continue to transact digitally without interruptions – even in the absence of your physical card. It works seamlessly with your digital wallet app so you can continue to enjoy the same mobile security you already expect from your digital wallet carrier.
Want to experience the convenience and security of digital issuance?
Download our USPS FCU Credit Card mobile app. To download our USPS FCU Credit Card App, visit the Apple Store or Google Play Store on your mobile device today.
Credit Card digital issuance is available on the USPS FCU Credit Card App.
Download the mobile app today!