overdraft privilege options can help

With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds. When this happens you have three options.

Service Cost
Overdraft Protection Link to Another Deposit
Account you have at Service 1st1
$5 fee per transfer after the first three (3)
Overdraft Protection Flexline of Credit1, 2 Subject to interest
Overdraft Privilege $30 Overdraft Fee per item

1Call us at 800.562.6049, option 5, or visit any Service 1st branch to sign up or apply for these services; 2subject to credit approval.

At Service 1st we’ve got you covered with our Overdraft Privilege program.  Overdraft Privilege is not a line of credit.  However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege.
Service 1st will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts.

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 Service 1st for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

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.

Transactions Covered
with Overdraft Privilege

Standard Coverage
(No action required)
Extended Coverage
(Your consent required)*
Checks x x
ACH - Automatic Debits x x
Recurring Check Card
x x
Online Bill Pay Items x x
Teller Window
x x
ATM Transactions   x*
Everyday Check Card

If you would like to select Extended Coverage for future transactions: Still have questions about Overdraft Privilege?
Click here for additional information and disclosures.

Avoid Overdrafts.
Click here for tools to help you manage your account.

You can discontinue the Overdraft Privilege in its entirety by calling our Overdraft Privilege Manager at 800.562.6049, option 5, or by sending a request to:

Attn: Overdraft Privilege Manager, Service 1st Federal Credit Union, 1985 Montour Blvd., PO Box 159, Danville, PA 17821.

See also:  checking account; savings account 
Service 1st Federal Credit Union, 1985 Montour Blvd., PO BOX 159, Danville, PA 17821. Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government - National Credit Union Administration (NCUA), a U.S. Government Agency.

Service 1st Federal Credit Union routing number: 231387602.

*APR denotes Annual Percentage Rate and APY denotes Annual Percentage Yield. Click here or call us at 800.562.6049 for more information regarding current rates, terms and conditions. All Credit Union loan and deposit programs, rates, terms and conditions are subject to change at any time without notice.

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