Welcome to Global Credit Union

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Overdraft Protection

You can relax, knowing that whether you’re traveling, dining with clients or grabbing those last minute supplies Global has you covered with a variety of overdraft protection options.

 

Advantage Pay

With Advantage Pay overdraft service you won’t have to worry that a check or automatic withdrawal from your checking account might be returned if you’re low on funds. Funds for overdrafts will come from your overdraft transfer options first, but if sufficient funds aren’t available, Advantage Pay is here for you!

With Advantage Pay you are covered with:
  • ACH transfers
  • Checking
  • ePay bill payments
  • Teller transactions
 

Advantage Pay for debit cards

As a business account member your debit card is automatically eligible for Advantage Pay. This services covers your purchases even when those minor mistakes happen that leave your checking account short of cash.

Advantage Pay for debit cards covers:
  • Debit card purchases
  • ATM withdrawals

 

*This notice does not constitute either a written agreement of an obligation, or a pre-arranged agreement for Global Credit Union to pay your overdrafts. Payments of any overdraft(s) will continue at the discretion of Global Credit Union. There is a daily limit of 6 fees ($174) for personal accounts. An Advantage Pay fee of $29 will be assessed for every check or other debit that draws your account negative. All fees associated with the payment of overdraft items will be applied to your Advantage Pay limit. Global will determine each account holder’s limit through an automated, dynamic system that evaluates alloted funds. Items are paid largest dollar amount first. You have 30 days from your first overdraft to bring your account current. If you do not bring your account balance positive within 30 days from the first overdraft, your Advantage Pay privileges will be revoked, and collection procedures will be initiated. We may report information about your account to credit bureaus. Late payments, missed payments, or other defaults on your account may be reflected in your credit report.

Federally insured by NCUA