Overdraft Protection and Courtesy Pay

You can have the peace of mind of knowing that your checks, ATM/CheckCard transactions and/or automatic withdrawals will be honored, despite an overdraft.

Overdraft Options:

Courtesy Pay

The cost of Courtesy Pay protection is $35.00 per item, far less than you would pay for most merchants fees. Plus, Courtesy Pay will save you the time, hassle and embarrassment of taking care of an NSF with the merchant.

Recent changes in Federal Legislation (Regulation E) give members additional options regarding overdrafts. Members must give Heartland Credit Union authorization to pay overdrafts for the following types of transactions:

  • ATM transactions
  • Every Heartland Credit Union MasterCard© Check Card transaction

If you would like Heartland Credit Union to authorize and pay overdrafts on your ATM and everyday MasterCard Check Card transactions, please click here to fill out our authorization form or download the authorization form here or call our phone center. You can return the form by mailing, faxing (217-726-6494), or bring it to one of our four branch locations.

Overdraft Protection

Automatic overdraft protection from your Savings, Money Market, and Money Management accounts allows the transfer of funds to clear checks, preventing return item fees and the embarrassment of returned checks. Checkline loans are available to qualified members providing a cushion for overdrawn accounts as well.

If you have any questions regarding changes in your overdraft privileges, please call our phone center at 217-726-8877.