1 00:00:00,900 --> 00:00:04,100 We understand 2 00:00:03,100 --> 00:00:06,600 that managing your finances can 3 00:00:06,600 --> 00:00:09,300 sometimes get a little tricky when payday doesn't 4 00:00:09,300 --> 00:00:13,000 come fast enough. We recognize that sometimes life 5 00:00:12,500 --> 00:00:15,800 happens. That's why we offer 6 00:00:15,800 --> 00:00:18,500 overdraft coverage say you're 7 00:00:18,500 --> 00:00:21,500 at the grocery store with your debit card. And the cashier 8 00:00:21,500 --> 00:00:24,300 is scanning your items, you're watching how fast 9 00:00:24,300 --> 00:00:27,300 it's adding up and worrying. If you have enough in 10 00:00:27,300 --> 00:00:30,800 your account you hand over your debit card and your 11 00:00:30,800 --> 00:00:33,000 transaction is declined. Now what? 12 00:00:34,800 --> 00:00:37,200 Or imagine if the plumber is at 13 00:00:37,200 --> 00:00:40,500 your house and the problem is worse than you thought, you know, 14 00:00:40,500 --> 00:00:43,400 you don't have enough in your account to cover your check and 15 00:00:43,400 --> 00:00:45,300 PayDay isn't until Friday. 16 00:00:46,600 --> 00:00:49,900 With overdraft coverage. We may cover your expenses until 17 00:00:49,900 --> 00:00:52,100 the funds are available helping our 18 00:00:52,100 --> 00:00:55,700 members when they need it is what we do. Our overdraft 19 00:00:55,700 --> 00:00:58,400 coverage is automatically available to qualified members 20 00:00:58,400 --> 00:01:01,500 for check and ACH transactions for debit 21 00:01:01,500 --> 00:01:04,300 card transactions. Make sure you opt in your debit card 22 00:01:04,300 --> 00:01:07,400 by calling visiting our website or asking the 23 00:01:07,400 --> 00:01:10,000 next time you're at the credit union. Keep in mind 24 00:01:10,300 --> 00:01:13,200 that without this service. If you do not have enough money 25 00:01:13,200 --> 00:01:16,200 in your account, your overdraft debit card purchases and 26 00:01:16,200 --> 00:01:19,500 ATM transactions will be declined. Please follow 27 00:01:19,500 --> 00:01:23,100 the link to our website for more information about overdraft coverage 28 00:01:22,100 --> 00:01:24,100 including fees.