Unforeseen circumstances happen to us all and usually
at just the wrong time! Your car breaks down on Wednesday
and you don't get paid until Friday. You make an honest
mistake in your checkbook and it leaves you a "little
short" to cover all your outstanding checks. Idadiv
understands that such things happen to everyone at some
time or another. Because of that, we have an overdraft
protection plan to fit your needs.
If you have ever overdrawn
your checking account, you've experienced the embarrassment,
inconvenience and expense of bounced checks. You can protect
yourself and your credit record by establishing Overdraft
Protection on your Idadiv Checking Account.
- You can designate
your savings account as your Overdraft Protection.
you have received your paycheck via Direct Deposit into
your Idadiv Checking Account, you may automatically
receive an Overdraft Protection attached to your account.
you don’t have Direct Deposit or would
rather not use it, you can apply for an Overdraft Protection
Line of Credit loan.
- Transfers from a Line of Credit
are made in increments of $50 to cover an overdraft amount.
- Overdraft Protection applies to checks, ATM and Check
Card Transactions, Bill Pay and automatic payments. Does
not apply to online banking transactions, or audio response
Overdraft Protection from a Savings
or a Line of Credit is an excellent safeguard which can
preserve your good credit rating. For more information
or to sign up for Savings or Line of Credit Overdraft
Protection, please visit your nearest branch or call
us at (208)-467-6583.