Overdraft Protection
Free Overdraft Protection with linked accounts
Link your Marine Credit Union checking and savings accounts and get free transfers to protect against overdraft fees. In the event of an overdraft, MCU will automatically transfer funds from your savings account to cover the transaction in increments of $100.
How to link your MCU Checking and Savings Accounts
1. Log in to the Marine Mobile app or Online Banking to get started.
2. Select Account Services (on the app, first choose More), then Overdraft Protection from the menu.
3. Select the Checking Account you would like protected.
4. Choose Add as Backup next to the Savings account you would like to link.
5. Check I Agree under the Disclosure notice.
6. Choose Save Changes.
Overdraft Privilege
Overdraft Privilege allows Marine Credit Union to pay the charge in the event of an overdraft over $50 on My Relationship Checking. MCU will cover the transaction for an overdraft fee of $35 per instance, with a maximum of six charges per day.
Note: Overdraft Privilege on your debit card requires you to opt-in to Reg E to allow us to cover an overdraft. If you choose not to opt in on your debit card, any charge that has insufficient funds will be declined and you could be subject to insufficient funds fees. To opt in to Reg E, follow the directions below.
How to opt-in for overdraft privilege
1. Log in to the Marine Mobile app or Online Banking to get started.
2. Select Account Services then Overdraft for Card from the menu. (In the Marine Mobile app, you must first choose More.)
3. Choose Opt In for the account for which you want overdraft privilege.
4. In Online Banking, scroll down and choose I Agree.
5. Click Save.
Questions?
Email info@marinecu.com or call 1-800-923-7230 between 8:00 AM and 5:00 PM Monday through Friday and between 8:00 AM and 1:00 PM on Saturdays.