Overdraft Protection

apply online via Online BankingApplying for a Members Heritage loan is easy and convenient. Apply in person, by mail, via phone/fax, or online.
Evening and Weekend lending call: 1-800-357-3913.

With an Overdraft Protection loan, you don’t have to worry if you accidentally overspend using your checkbook or ATM/VISA Check Card.  This loan backs up your designated Share Draft Checking account and helps you avoid any non-sufficient funds (NSF) fees.

  • Minimum credit limit is $500.
  • Advances made are subject to the available loan amount and the amount needed to cover the item.
  • Enjoy an open-ended term and a fixed rate.  (Check our Current Rates.)
  • Avoid overdraft checks and have peace of mind.
  • Other overdraft protection also available with Share Savings back up and/or Privilege Pay service on your Share Draft Checking account.

Click here for the Privilege Pay extended coverage opt-in form which includes all policy information.

*All loans subject to approval. Members Heritage complies with the Equal Credit Opportunity Act.