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Click here to read the Credit Union Service Centers FAQ.

Overdraft Options with Southern Security

Southern Security offers options that add on to each other to give comprehensive coverage.

Overdraft Protection takes available funds (those above your required balance of $25) from your Savings Account and automatically transfers exact amount needed to cover your transaction to your checking account. There is NO FEE for this and transfers can occur as often as needed.  All checking account holders have Overdraft Protection.

Overdraft Security.  If there are not sufficient funds in both your Checking and Savings accounts then Overdraft Security can apply.  This is a courtesy program which allows your account to overdraw up to $500, including fees.  This feature is often very helpful if an emergency arises, if there are holds on funds or when certain items, repairs, or bills need to be paid.  Overdraft Security allows checks and ACH debits, Debit MasterCard transactions and ATM withdrawals to clear your account even if you do not have enough funds in your checking and savings accounts.

What are the Real Benefits of Overdraft Security?

  • Cash when you need it– includes ATM withdrawals.
  • Purchases approved if you need it.
  • There are no returned check fees from a store or vendor.
  • You only pay when you need it.

Who is Eligible for Overdraft Security?

Premium Checking account holders who are age 18 or older; account must be opened at least 60 days.  No business or DBA accounts.

What happens when I use Overdraft Security?

You will receive an overdraft notice each time items are posted against the service.  You have 30 days to bring your Checking account balance to at least $0.

What does Overdraft Security Cost?

There is no enrollment fee, no monthly or annual fee for the program.  You only pay when you need it, $26 per occurrence.  See Fees for additional information.

Will using Overdraft Security impact my credit report?

Simply using Overdraft Security will not affect your credit report.  However, if you do not bring your balance to at least $0 within 30 days, you will no longer be a member in good standing and Overdraft Security will be rescinded.  If the balance remains unpaid then it will be reported to the credit bureaus and may affect your ability to receive credit.

Can I use Overdraft Security for My CU Bill Payments?

No, Overdraft Security does not apply to My CU Bill Payments.

How do I sign up?

Simply complete the Overdraft Security Application and submit it or contact any Southern Security location.  Upon verification of eligibility your access is applied to your account.  You can add or cancel Overdraft Security to your  checking account at any time.

Can I cancel Overdraft Security?

Yes, you may cancel Overdraft Security at any time by completing and submitting Overdraft Security Application to any Southern Security location.

Of note:  This is a courtesy service from Southern Security who is not obligated to pay any overdraft.  Southern Security may rescind the courtesy service at any time.  If a member has had Overdraft Security rescinded by Southern Security FCU the member can request to be re-instated after six months.

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Do you have a family member who is already a Southern Security member? Or, do you work for one of over 500 of our sponsor companies?

You may not be eligible for membership at this time. Please call 1-888-842-6328 or visit a branch for further assistance.