If you want us to discontinue paying overdrafts on all transactions including checks, ACH, ATM, and every day debit card transactions, complete and submit this secure form. You can also print this form and fax it to 520-917-2432 or present it at any branch.  It can also be mailed to Vantage West Credit Union, Attn:  Overdraft Privilege, PO Box 15115, Tucson, AZ, 85708-0115.  Should you have any questions regarding Discretionary Overdraft Privilege, please drop by any branch or call us at 1-800-888-7882.

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 credit card) that may be less expensive than our standard overdraft practices.

Explanation of Standard Overdraft Practices
We authorize and pay overdrafts for the following types of transactions.
•  Checks (& other transactions) made using your checking account number
•  Automatic bill payments set up using ACH

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.

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