NAECU is here to help you in any way we can! Should you have any accessibility issues with our site please call us during business hours at 256-534-2423 and we will personally assist you with anything you need.
NAECU logo

Have high interest APR credit cards got you down? Consolidate those high-cost cards with our Consolidation Loan offering a FIXED rate as low as 8.99% APR.  

Overdraft Coverage Options


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 Credit1, 2 Subject to interest
Overdraft Privilege $29 Overdraft Fee per item

1Call us at 256-534-2423, email us at, 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 Knowsection 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
  • visit any branch
  • complete a consent form and mail it to us at
    P.O. Box 128
    Huntsville, AL 35804
  • e-mail us at
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, 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.