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Overdraft Privilege helps protect you against having your checks returned in the event of an inadvertent overdraft of your account by giving you a reserve for emergencies or unexpected situations. There is no fee for having this privilege on your account, you are only charged if you overdraw your account.
Overdraft Privilege is not a line of credit. However, if you overdraw your account, we will normally pay the overdraft, subject to the limit of your Overdraft Privilege - after any Lines of Credit already established have been exhausted.
As a Lafayette Federal member, we will authorize and pay overdrafts on your ATM transactions via our Courtesy Pay program.
To Opt-Out of Courtesy Pay, please use this form.
The Federal Reserve Board implemented a new regulation called "Check 21" on October 28, 2004. This regulation was intended to make the movement of a check through the Federal Reserve System more efficient. It permits credit unions and other financial institutions to use a new negotiable instrument called a "substitute checks" in place of an original check. A substitute check is the legal equivalent of the original check and includes all of the same information.
For more information about this regulation, visit www.federalreserve.gov.
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