Overdrafts

Just log into your account online or on our mobile app and navigate to your account statement. This will show any fees you've been charged. The fee schedule is available online and mailed with disclosures. If you need help to understand these fees, just give us a call! 

This fee comes into play when you use our overdraft services. An overdraft fee is a charge a financial institution imposes when a customer's checking account has insufficient funds to cover a transaction, but the transaction is still paid.

The best way is to keep a close eye on your account balance. Make sure there's enough in your account to cover your transactions. Budgeting well and regularly checking your balance can help avoid surprises. Setting up regular balance alerts in the Digital Branch to keep an eye on your balance is a great way to avoid overdraft fees as well. You can also set up a transfer from a savings account, credit card, or loan to cover your accounts. 

Our Member Perks are our way of saying thank you for being part of iQ Credit Union. As part of this program, enrolled members can take advantage of one courtesy overdraft fee reversal per year, adding an extra layer of financial protection. 

We totally get it—finance can be a complicated business! You can always reach out to our helpful Member Advisors. They'll be happy to answer any additional questions you might have.

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