How it works

When you add CoverIt to your Marine checking account, you can breathe easier with a $50 grace zone.

  • Unlimited access to a $50 grace zone lets you go a little under on your account without the pesky fees
  • $12.95/month subscription fee
  • $5 safe spending rebate if you don’t use your grace zone during the month
  • No contract, you can cancel any time

With our new, exclusive CoverIt program, we’ve got your back. CoverIt gives you a safety net for life’s ups and downs—you can use your money with less worry and breathe easier when money gets tight.

We get it. And we’ve got you.

Add the flexibility of CoverIt to your checking account today!

Learn more

*CoverIt is an optional service available for Marine Credit Union checking accounts. This service provides overdraft coverage for overdrafts and fees that total no more than $50 in excess of the available balance. This is known as the grace zone. The service costs $12.95 per month which will be automatically deducted from the checking account each month. Includes free transfers if enrolled in other overdraft protection from savings or Kwik Cash line of credit. Paying overdrafts beyond the grace zone is not guaranteed and we typically do not pay overdrafts if you are consecutively overdrawn for an extended period, delinquent on any loans, or not making regular deposits. Standard overdraft fees of $35 per item will apply for overdrafts beyond the grace zone. A fee may be imposed for covering overdrafts created by ATMs and everyday debit card transactions (if you are enrolled for overdraft privilege for those transactions), checks and other transactions made using your checking account number, automated bill payments, and preauthorized electronic debits, telephone-initiated, online banking, or electronic transfers and recurring debit card transactions. Excessive use of any overdraft service can be costly and is discouraged. Fees and terms are subject to change. Some restrictions apply. See CoverIt service agreement for additional details.

Why CoverIt is a great choice


Peace of mind

Use your money with less worry; skip pesky fees from small overdrafts.



Add flexibility to your checking account that fits your life. Use CoverIt as much as you need to. Cancel anytime.


Money back

$5 safe spending rebate if you don’t use your grace zone during the month.

Overdraft protection

Get fair, flexible checking that fits your life

Subscribe to CoverIt today.

Members Non-members Have Questions?


CoverIt enrollment process

What is CoverIt?

CoverIt is a subscription-based product that allows members to dip into a grace zone from -$0.01 to -$50 without being penalized with per item overdraft fees.

How do I enroll?

You can enroll through the online account opening process if you are a new member. To do this, simply navigate to and click on Get Started. If you are an existing member, you can login to Online Banking and add it under the Service tab.

What qualifiers must be met to enroll in the product?

To qualify for the CoverIt product, a member must have a Marine Credit Union checking account in good standing. Qualified members must also be in good standing with any Marine Credit Union loans.

How much does it cost?

$12.95 per month. If you do not overdraft at all in that month’s cycle, you will receive a $5 rebate!

What happens if I go past the $50 grace zone?

If you surpass the $50 grace zone, you will be charged a standard $35 Overdraft or NSF fee.

If I have multiple Marine Credit Union checking accounts, how to I sign up to cover both?

You can have multiple accounts enrolled in CoverIt. You will need to sign up separately for each account they want covered.

You will be charged a separate fee for each enrollment.

Will Marine Credit Union remove members from the CoverIt program?

Your CoverIt Service may be suspended or permanently removed based on the following criteria: your account type is not eligible, you are more than 30 days past due on any Marine Credit Union loan or obligation, you are subject to any legal or administrative orders, levy or are currently a party in a bankruptcy proceeding, your account is being reviewed for fraudulent activity or transactions, the primary account owner is less than 18 years old, a negative indicator has been reported to us, your account is classified as inactive, you have unresolved prior loss with Marine Credit Union, or we do not have a valid address for you.