North Alabama Educators Credit Union

OVERDRAFT PROTECTION AND Overdraft Privilege

North Alabama Educators Credit Union understands that unexpected overdrafts occur from time to time — Overdraft Coverage can help.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Service	Cost
Overdraft Protection link to another deposit account you have at North Alabama Educators Credit Union¹	$2.50 fee per transfer
Overdraft Protection Line of Credit^{1, 2}	Subject to interest
Overdraft Privilege	$29 Overdraft Fee per item, each time presented for payment

¹Call us at 256-534-2423, email us at feedback@naecu.org, or come by a branch to sign up or apply for these services; ²Subject to credit approval.

Overdraft Protection applies 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 North Alabama Educators Credit Union 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 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 review the “What Else You Should Know” section included with this disclosure for other important information.

Transactions Covered with Overdraft Privilege	Standard Coverage (No action required)	Extended Coverage (Your consent required on consumer accounts) *	If you would like to select Extended Coverage for future transactions:
Checks	X	X	call us at 256-534-2423 complete the online consent form found at www.naecu.org visit any branch complete a consent form and mail it to us at P.O. Box 128 Huntsville, AL 35804 e-mail us at feedback@naecu.org
ACH - Automatic Debits	X	X
Recurring Debit Card Transactions	X	X
Online Bill Pay Items	X	X
Teller Window Transactions	X	X
ATM Transactions		X*
Everyday Debit Card Transactions		X*

*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended Coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

Both consumer and business accounts can discontinue Overdraft Privilege in its entirety by contacting us at 256-534-2423, sending us an e-mail at feedback@naecu.org, or visiting a branch. If you have not already done so, please provide us with a valid email address to receive future communication via email rather than by postal service.