Overdraft Program

With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

Life happens! American Heritage Credit Union understands that unexpected overdrafts occur from time to time and our new Overdraft Program can help.

Overdraft Program Options

The choice is yours. Consider these ways to cover overdrafts:

ServiceCost
Overdraft Protection link to another deposit account you have at American Heritage Credit Union1Free up to 6 transfers per month, $10 fee per transfer thereafter .
Line of Credit1, 2Subject to interest. Free up to 6 transfers per month, $5 per transfer thereafter.
Overdraft Privilege$10 per item fee for resulting negative balance less than or equal to $25;
$24 per item fee for resulting negative balance greater than $25.
1Call us at (215) 969-0777, visit OnLine or Mobile Teller at Card Services -> Overdraft Privilege, email us at memberservices@amhfcu.org, or visit your local branch to sign up or apply for these services;
2Subject to credit approval.

Overdraft Protection and Line of Credit services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at American Heritage Credit Union for a finance charge. Please note that overdraft lines of credit are subject to credit approval.


Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted. Please review the “What Else You Should Know” below for other important information.

Transactions Covered
With Overdraft Privilege

Overdraft Privilege
(No action required)
Overdraft Privilege Plus
(Your consent required)*
ChecksXX
ACH - Automatic DebitsXX
Recurring Debit Card PaymentsXX
OnLine Bill Pay ItemsXX
Teller Window TransactionsXX
ATM TransactionsX*
Everyday Debit Card TransactionsX*

If you would like to select Overdraft Privilege Plus for future transactions:

You can view the Consent Form by clicking here. 
*If you choose Overdraft Privilege Plus, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Overdraft Privilege. You can discontinue Overdraft Privilege in its entirety by contacting us at (215) 969-0777, visit OnLine or Mobile Teller at Card Services -> Overdraft Privilege, or sending us an e-mail at memberservices@amhfcu.org.