Overdraft Protection

We want you to know that your accounts are protected from overdrafts. A simple oversight, like forgetting to deposit a check, make a transfer or a simple miscalculation shouldn’t freeze your funds. Confidently cover overdrafts and trust that we've got your back with our overdraft privilege solutions.

Overdraft Program Options

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Overdraft Protection link to another deposit account you have at American Heritage Credit Union1Free.
Line of Credit1, 2Subject to interest.
Overdraft Privilege$10 per presentment fee for resulting negative balance less than or equal to $25; $15 per presentment 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;

2 Subject 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.

Transactions Covered

with Overdraft Privilege

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


*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 or sending us an email at memberservices@amhfcu.org.


Discover the steps you should take to start a budget.

Protect Yourself from Overdrafts

Don't let an oversight freeze your funds, enroll in overdraft protection and have spend safely.