OVERDRAFT PRIVILEGE OPT IN

Why opt in?

We will not authorize and pay overdrafts for ATM transactions & everyday debit card transactions unless you opt in.

Our standard Overdraft Privilege includes discretionary coverage for overdrafts incurred on checks, ACH and other transactions using your checking account number. As described below, your ATM and everyday debit card transactions will not be included in our Overdraft Privilege unless you provide your affirmative consent (opt in) to Vantage West Credit Union.

• This notice explains our standard overdraft practices. •
What You Need to Know About Overdrafts & Overdraft Fees

An overdraft occurs when the available balance in your account is insufficient to cover a transaction, but we pay it anyway. We can cover your overdraft in two different ways.

1) We have standard overdraft practices that come with your account.
2) We also offer overdraft protection plans (such as a link to a savings account, a line of credit, or a credit card) which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

What are the standard overdraft practices that come with my account?
We authorize and pay overdrafts for the following types of transactions.
• Checks and other transactions made using your checking account number
• Automatic bill payments (set up using ACH)

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to.
• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion -- which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Vantage West pays an overdraft?
Under standard overdraft practices:

• We charge a fee of $15 per item if the resulting negative balance is $10 or less, or $32 per item if the resulting negative balance is more than $10.
• There is no limit on the total fees we can charge for overdrawing your account.
• The total of the negative balance and discretionary overdraft privilege fees must be paid within 30 days.

Do you want Vantage West to authorize and pay overdrafts on my ATM & everyday debit card transactions?
Submit this "Opt In" form online. You can also print this form and drop it off at one of our branches or fax it to 520-917-2432.

Questions?
Stop by a branch or call 520-298-7882 (or 800-888-7882, outside of Tucson).

Members must authorize Vantage West Credit Union to pay overdrafts on ATM/debit card transactions. To opt in to this service, complete the form below.

This change will go into effect within 5 business days after you submit this form.

First Name *

Last Name *

Account # *

Street Address *

Address Line 2

City *

State *

Zip Code *

Home Phone # *

Work Phone #

Email

I would like to add Over Draft Protection to my following checking accounts. *

You agree to Opt in to ATM and everyday debit card transactions. *

I agree.

Submitting this form constitutes my consent to overdraft privilege. I understand I have an ongoing right to revoke this consent at any time. *

I agree.

Signature Required * 🛈

clear

>> Read the Discretionary Overdraft Privilege Disclosure.

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