Unless you have applied for an received an overdraft line of credit, we do not have to pay your overdrafts.  However, if you do not have an overdraft line of credit, or do not want us to overdraw your account under any circumstances even as a courtesy to clear an item that you have written, you must tell us not to do so.  You understand that it may be a crime to write a check you know will not be paid.  If your account receives a monthly direct deposit benefit check, such as Social Security or BA Disability, from the United States government and you do not want us to use funds in that account to pay and overdraft, you must tell us.  If you do not tell us, you consent to allowing us to apply those funds to repay your overdrafts.  Our Fee Schedule states the fee charged for paying your overdrafts.

Electronic Funds Transfer Agreement Addendum:

We may offer a discretionary, non contractual means of paying your overdrafts.  Unless we advised you otherwise, your card allows you to access overdraft protection on your share draft account subject to the limits we have established.  You agree to repay any overdraft and any overdraft fees caused by using your card.  Unless stated on you ATM's screen, a sign near the ATM, and/or your transaction receipt, your stated account balance does not include this overdraft protection.  you understand that even if you check your account balance immediately prior to using your card, items such as checks you have written or recent credit/debit activities may not yet have been processed.  If you want to avoid an overdraft, you agree to reconcile your account by checking your periodic statements and any outstanding unpaid items before using your card.

Courtesy Pay Disclaimer Addendum:

The Atomic Employees Credit Union's Courtesy Payment plan is a  non-contractual courtesy and is discretionary.  It is not an obligation of the Credit Union and the Credit Union may refuse to provide the courtesy on any personal share draft account at any time and from time to time.  The Account holder does not have a contractual right to Courtesy Payment and courtesy payment is not guaranteed by the Courtesy Payment plan.