What You Need To Know About Overdrafts And Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts with the standard overdraft practices that come with your account.

This notice explains our standard overdraft practices.


What are the standard overdraft practices that come with my account?


What fees will I be charged if Your Hometown Federal Credit Union pays my overdraft?


What if I want Your Hometown Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?


First Name is required.

Last Name is required.

Email is required.

Phone Number is required.

Social Security Number is required.

Account Number is required.

Example Full Account Number: You Would Enter:
12-071 12
123-072 123
1234-073 1234
12345-074 1234
123456-075 1234

Please select your overdraft coverage preference.

By submitting your preference electronically, you agree to receive an electronic verification notice to the email address entered above.