Marshland Credit Union is pleased to provide a convenient new member service, Occasional Overdraft Protection Service (OOPS). We are always looking for ways to better serve our members. We think that OOPS will do just that and add value to your Marshland Credit Union checking account.

If you have ever made a mistake in your checking account, written a check for more money than the available balance in the account, or had your ATM or debit card declined, you are aware of the expenses and embarrassment associated with inadvertent overdrafts. The purpose of the Occasional Overdraft Protection Service to help you avoid these situations.

Effective immediately, we have added convenient Overdraft Protection Protection to eligible personal checking accounts. Rather than automatically returning, unpaid, any non-sufficient fund items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts, as long as you maintain your account in good standing.

Please note: The Credit Union's practice of Re-Posting Drafts on the following day will cease effective May 1, 2005.

OVERDRAFT PROTECTION SERVICE:

•  You must provide written authorization to Marshland in order to participate or decline to participate in the    Overdraft Protection Service.
•  It costs you nothing unless you use the Overdraft Protection Service
•  Not available to Minors under Eighteen (18) years of age

OVERDRAFT PROTECTION CAN MEAN:

•  Payment of overdrafts up to $400 will normally be considered on eligible checking accounts!
•  Fewer charges from retailers for returned checks!
•  Additional convenience and flexibility in managing your funds!
•  Less aggravation and embarrassment!
•  Overdraft Protection is available for ATM Withdrawals and Visa CheckCard Purchases!
•  Overdraft Protection is currently not available for Internet Banking and Telephone Banking    Transactions.

Our normal non-sufficient funds or overdraft charges will apply to each item that would create an overdraft on your account. We will send you a notice each time an overdraft occurs.

Of course, we can't promise to pay every overdraft and we are never obligated to pay your overdrafts, even if your account is in good standing and even though we may have previously paid overdrafts for you. RESTRICTIONS DO APPLY, and you should read the enclosed Overdraft Protection Policy (Service Description).

Remember, you must provide written authorization to Marshland if you choose to remain part of OOPS, called Opting In, or if you choose to Opt-Out which means you wish to discontinue Marshland’s Occasional-Overdraft- Protection Service.  Click here to access an authorization form.  Once you have completed the form, you can:

Mail it to us in the enclosed business reply envelope,
Fax it back to us at 912 279-2005,
Stop by any one of our six convenient branch offices, or
Call us at 912 279-2000.

Overdraft Protection is another good service from, and another good reason for banking with Marshland Credit Union. If you have any questions, please call or visit your local branch office.

We appreciate your business and having you as a member is very important to us.  

Please click here to read the Overdraft Protection Policy (Service Description).