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HomePersonal Banking Services * Checking Services * Debit Card Overdrafts

Debit Card Overdrafts

VACU provides an option for members who would like to avoid declined ATM and everyday debit card transactions. Everyday debit card transactions are routine day-to-day transactions such as paying for groceries.

If you would like for VACU to pay overdrafts on these types of transactions at our discretion, you will need to tell us by opting in. This information describes our standard overdraft practices: What You Need to Know about Overdrafts and Overdraft Fees.

Benefits of opting in

  • Helps avoid the inconvenience of a declined debit card purchase if, for whatever reason, funds are not available at the time, such as when paying for groceries.
  • Helpful in case of emergencies if you don’t have another form of payment with you
  • No cost to you if you don’t overdraw your account
  • Can serve as a backup for Overdraft Protection transfers from savings or a line of credit

How to opt in

If you do want VACU to pay overdrafts on ATM and everyday debit card transactions, get started below. Or you can log on to Online Banking, click the Membership Services tab, and use the easy Debit Card & ATM Overdraft Authorization that pre-fills your account information.

Opt In


If you do NOT want VACU to pay overdrafts on ATM and everyday debit card transactions, no action on your part is needed. If you have questions, please review our FAQs or contact us for personal assistance.