Carry the one . . . and suddenly the decimal point sneaks over a space. An oops happens from time to time, even in meticulously kept checkbooks. That’s why Overdraft Privilege is just one of many convenience benefits you have as a TruWest Credit Union member.

We want you to avoid the frustration of insufficient funds. So, TruWest offers two types of overdraft coverage that can be added to eligible checking accounts, covering up to $750 including fees. 


Our standard coverage is automatically available on most eligible checking accounts and covers the following:

  • Bounced checks
  • Recurring debit card transactions, including Bill Payment
  • Late payments caused by non-sufficient funds (NSF)


In addition to the standard coverage, you can opt-in to receive complete coverage:    

  • ATM transactions
  • Everyday debit card transactions

Overdraft Privilege costs you nothing unless you need it. You will only be charged a $35 fee per item when the service is used. You can read more by viewing our Discretionary Overdraft Privilege Disclosure

To opt-in to Overdraft Privilege, simply sign in to online banking, click Online Request Forms and select Opt-In for Debit Overdraft Service. You can also visit your nearest TruWest branch or call us toll-free at 1 (855) 878-9378 (that’s 855-TRUWEST).

*Must be a TruWest member to open a checking account.  A minimum $5 deposit is required to become a member.