Overdraft Protection from SunWest Federal Credit Union (Phoenix, AZ)

Overdraft Protection

We’ve all been there. Whether you made an honest mistake in balancing your checkbook or just simply forgot to transfer money between accounts, SunWest has you covered. We understand that mistakes happen so we have created a group of services that enable your transactions to be processed—even without sufficient funds.

Courtesy Overdraft

For Checks and Recurring Debit Card Transactions

This is our basic form of overdraft protection that may cover withdrawals and purchases in excess of your available funds.  This discretionary service and accounts are continually evaluated for eligibility.  If items are paid in excess of your available funds, a normal non-sufficient funds fee is charged*.

For ATM and One-Time Debit Card Transactions

This is an enhancement to our basic Courtesy Overdraft that extends coverage to ATM withdrawals and one-time debit card transactions. This service is available upon your request; you must opt in to benefit from this additional overdraft protection.

Extending Courtesy Overdraft

It is easy to protect yourself from overdrafts. Call 1-866-897-9378 or visit your local SunWest branch.

*With Courtesy Overdraft, certain restrictions and an overdraft fee will apply when used. Ask a representative for complete terms and conditions.
** Keeping a share account open with a minimum balance of $5.00 at all times is a requirement to being a member at SunWest. In certain circumstances, withdrawals/transfers from share accounts are limited by a Federal Regulation to 6 withdrawals/transfers per month.

Revolving Line of Credit

Life Happens. Be prepared for the unexpected with a Revolving Line of Credit from SunWest Federal Credit Union.

Whether your needs are large or small, a revolving line of credit gives you the flexibility to access additional funds whenever you need them. With a SunWest revolving line of credit, you can enjoy the peace of mind knowing that you’re ready for wherever life takes you. 

What is a Revolving Line of Credit?

This unsecured, revolving line of credit is a flexible way to get extra money for a big purchase or for unexpected expenses such as a car repair or medical bills. The available credit limit is used in conjunction with your SunWest checking account and MasterCard debit card as a source of overdraft protection. As the line of credit is paid back, the line can continue to be used without reapplying.

The beauty of a revolving line of credit is that you can use it for whatever life throws your way. Take the first step towards securing your financial future and apply today.

Apply Now


Go To Top