Overdraft Protection

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Peace of Mind When You Need It

When life happens, overdraft protection can give you the peace of mind you need. An overdraft occurs when you don’t have enough money in your account to cover a transaction, but we still pay it on your behalf. Overdraft Privilege is defined as our standard overdraft practices that come with your account. Not every transaction type is covered with our standard Overdraft Privilege, however, our additional Overdraft Protection Plans may authorize transactions our standard coverage does not. We encourage all members to meet with a Workers WayTM Financial coach to determine the best coverage to fit their needs .

Sweep Transfer

A Sweep Transfer1  links your checking account to another Workers account--this will be the “sweep account”. If your checking account is overdrawn, a transfer will be made at the time of your overdraft from your sweep account as long as the funds are available, plus a small fee for the transfer.

Checking Line of Credit

If you’re approved for a revolving line of credit,2  we will link it to your checking account so funds will be transferred from your available credit to cover your transaction if needed. Interest at a fixed rate will only accrue on the used balance of your line of credit and you can repay monthly or payoff in one lump sum with no penalties. An annual fee applies, see our fee schedule .

Meet with a Workers Way Financial Coach

The Workers Way is personalized, one-on-one financial coaching that helps you achieve your goals at any life stage. From everyday budgeting to retirement planning, our certified coaches are here to set you up for success. Schedule an appointment with a Financial Coach today to find out which overdraft option is the best for you.

Overdrafts Opt-In Form

Authorize or revoke authorization for us to pay overdrafts on ATM transactions and everyday debit card transactions.

  • Call us at 800-221-4020


1If the Sweep Transfer is linked to another checking account that has Overdraft Privilege, and the linked account does not have sufficient funds to cover the sweep, the Overdraft Privilege service may be activated, which may result in both a sweep transfer fee and an overdraft fee. See fee schedule for details. Each time an item is re-presented, we make a new decision whether to pay or return the item and we may charge you an Overdraft/Non-Sufficient Funds fee, an Uncollected Funds Charge, or a Returned Deposit Fee at the same time regardless of the number of times an item is presented or re-presented to us. Includes checks, ACH, and Workers Debit Card withdrawals.  Aggregate three (3) fees per day per account. If your checking account has overdraft privilege, transactions exceeding your available balance may result in an overdraft fee of $30.00 for each transaction. Please verify your available account balance prior to your transaction. All overdrawn accounts must have a positive balance within 30 days. If the account used for Sweep Transfer is your membership savings account, the $5 membership share will not be available to sweep.

2Individuals under the age of 18 are not eligible for a Checking Line of Credit on their checking account.