Welcome to Global Credit Union

Overdraft Protection

Relax, you're covered

Life happens. And, sometimes it leaves your checking account with a little less money than you thought.

You can relax, knowing that whether you’re traveling on vacation, out to dinner with the in-laws or grabbing those last minute groceries, Global has you covered with overdraft protection options.

Advantage Pay

With Advantage Pay overdraft service you never 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
  • Bill Pay
  • Teller transactions

Advantage Pay for debit cards

By enrolling your debit card, your purchases are covered even when those minor mistakes happen that leave your checking account short of cash.

Enrolling your debit card covers:

  • Debit card purchases
  • ATM withdrawals


Enroll my Card Learn More


*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 ($180) for personal accounts. An Advantage Pay fee of $30 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 allotted funds. You have 30 days from your first overdraft to bring your account current. At any time, you may choose to opt-out of the Advantage Pay service by contacting Global Credit Union Member Services at 509.455.4700 or 800.676.4562 and requesting that this service be canceled. 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.
*You may revoke your consent at any time. Reach us by letter or phone at:
Global Credit Union
PO BOX 3200
Spokane, WA 99220-3200


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