Checking Account Overdraft Protection
Members may be able to utilize one or any combination of our three overdraft services to help cover personal checks, debit card transactions, automated payments, and more.
Services include:
- Overdraft Protection
- Our Readi Reserve line of credit
- Overdraft Privilege – Standard or Extended Coverage
Learn more about our overdraft coverage.
Apply for Overdraft Protection with a Readi Reserve Line of Credit
Visions offers overdraft protection for personal checking accounts in the form of a line of credit. Up to an approved limit, the Readi Reserve line of credit can cover all overdraft situations in the checking account with no fees and may also be borrowed against for any purpose.
The limit ranges from $500 to $20,000 and will add a level of comfort in the event that you cannot make a transfer or deposit to the checking account. If approved, the Readi Reserve would be placed on your account and overdraft transfers are automated to cover charges as needed. If the line of credit is not used, no fees are charged. If the line of credit is utilized, you may pay back the balance with monthly payments or with a lump sum payment.
A loan application must be submitted to request the Readi Reserve, and you may apply at any branch location, online while logged into your account, or by phone with our Contact Center at 800.242.2120.
