Overdraft Protection

Not enough money to cover a transaction? We’ll take care of it.

When you don’t have enough money in your account to cover a transaction, we’ll pay it for you. You don’t have to worry anymore about unpaid checks or automatic bill payments. With IC Courtesy Pay, IC Courtesy Pay Sweep, or the standard overdraft practices that come with your account, we’ve got you covered.

  • No more bounced checks
  • Overdraft plans within your budget
  • Available for automatic bill payments, checks, and other transactions using your checking account number
  • Opt-In Election Form
Overdraft Protection on Checking Accounts

IC Covers Your Back

IC Courtesy Pay
IC Courtesy Pay Sweep
Standard Overdraft Plan

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Contact a Member Services Representative for details on each option at (800) 262-1001.

Contact Us

If you have any questions left

Main Office

300 Bemis Road, Fitchburg, MA 01420

Main Office (800) 262-1001

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    IC Credit Union will not authorize and pay overdrafts caused by one-time debit card transactions unless you authorize us to do so.

    Opt-In Election Form
    We want to ensure that our Members make fully informed decisions about their IC Credit Union accounts. If you have any questions, please contact our Member Service Center at  (800) 262-1001 on Monday through Wednesday at 8:00 – 5:00, Thursday and Friday at 8:00 – 6:00, or Saturday at 9:00 – 1:00.

    When you have an overdraft as a result of a debit card or ATM transaction, we may cover the shortfall and approve the transaction, charging you a fee of $30.00. In order for us to do this, we need your written permission or opt-in before covering ATM and one-time debit transactions when the funds are not available.


    We do authorize and pay overdrafts for the following types of transactions:

    • Checks
    • Checks and other transactions using your checking account number
    • Automatic bill payments


    We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

    • ATM transactions
    • Everyday debit card transactions

    We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

    Under our standard overdraft practices the following fees are imposed (if more than one fee is checked, both the first fee checked and any additional fee checked are imposed):

    • A fee of $30 will be assessed to your account for each insufficient fund incident triggering an overdraft.
    • An IC Courtesy Pay fee of $30 will be debited to your account for each individual overdraft payment made by us.

    There are no daily limits for overdraft fees. Please see the fee schedule for more information.

    If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please stop by an IC office near you to sign documentation requesting this service.

    You may cancel your IC Courtesy Pay Overdraft Protection at any time by coming to one of our branches or calling (800) 262-1001.