Opt-In Request for Overdraft Coverage

Recent regulatory requirements now require members to sign a consent form to participate in overdraft protection plans (Overdraft Coverage) for ATM and debit transactions. As you know, Overdraft Coverage protects your account when you don't have enough funds in your checking account to cover a retail transaction. Please note that you do not need to sign the form to continue Overdraft Coverage for checks or ACH items.

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. As a service, we can cover your overdrafts in two different ways. To learn more, ask us about these options:

  • We have Overdraft Coverage that comes with your account.
  • We also offer Overdraft Protection Plans, such as a link to a Share Savings account, Cash Management account or Personal Line of Credit, which is less expensive than Overdraft Coverage.

What is the Overdraft Coverage plan that comes with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other preauthorized transactions
  • Automatic bill payments

After August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

Overdraft Coverage coverage is available at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize or pay an overdraft, your transaction will be declined.

What fees will be charged if MountainCrest Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $30 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

Are You In?

To keep your account functioning the way it does now, fill out the form below, check the acceptance box, and then submit the form. You may also call us at 1-877-601-0000 or visit any branch location.

Personal Information

  • OKName is required
  • OKLast 4 of SSN is required
  • Home Phone

    OKHome Phone is required
  • Daytime Phone

    OptionalOKDaytime Phone is required
  • OKEmail is required

Opt In Choice

  • I want MountainCrest Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions

    OKI want MountainCrest Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions is required

    If yes, Please choose if you would like to Opt In for all accounts or for specified accounts.

  • I want to opt in for:

    OKI want to opt in for: is required

Specified Accounts

  • OKAccount Number 1 is required
  • OptionalOKAccount Number 2 is required
  • OptionalOKAccount Number 3 is required
  • OptionalOKAccount Number 4 is required


    I/We confirm that the Internet access device(s) I/we will use to receive the related legal disclosures, agreements and online account signature forms; and I/we consent to receiving the related legal disclosures, agreements, online account signature form and the instructions electronically. I/we confirm that I/we have read and understand the information regarding the right to opt in or decline this financial institution's paying ATM or one-time debit card transactions.

    OKYes, I/We Confirm is required
  • I/we understand that I have an ongoing right to change this consent at any time.