Overdraft Protection 2
If a transaction exceeds the available funds in your checking account, we will take the following actions to ensure your payments and purchases are successful:
Overdraft Line of Credit

If you do not have enough available funds in your Checking Account when a transaction occurs, Advantage will take the funds from your Overdraft Line of Credit to cover the transaction. Instead of being charged a service fee for each transaction, you are only paying a minimal amount of interest. You must apply and be approved for an Overdraft Line of Credit.

There is a $20.00 annual service charge for Advantage FCU’s Overdraft Line of Credit. There is NO per transaction service charge with the option.

Apply Now

Savings Transfer

When a transaction occurs and you do not have available funds in your Checking Account or have an Overdraft Line of Credit, Advantage will transfer the funds from your Savings Account to cover the transaction.

There is a $7.00 per transfer service charge and you must have money in savings in order for the transfer to occur.

Overdraft Protection

If all of the above options are exhausted and you have OPTED IN to Overdraft Protection this will ALLOW Advantage to authorize and pay for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
  • ATM transactions
  • Every day debit card transactions

Advantage pays overdrafts at our discretion, which means Advantage DOES NOT GUARANTEE that it will always be authorize and pay any type of transaction. If we DO NOT authorize and pay an overdraft, your transaction will be declined.

The service charge for Overdraft Protection is $34.00* each time we pay an overdraft. There is NO LIMIT on the total fees we can charge you for overdrawing your account.

You can OPT IN to this additional option by calling (585) 454-5900 or stop in at any branch.

For Overdraft Protection there is a service charge of $34.00* each time we pay an overdraft. If you would like us to authorize and pay overdrafts on ATM and everyday debit card transactions, please contact our Member Service Center at (585) 454-5900.

*Fee amount subject to change.


Advantage WILL authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

The service charge for Advantage FCUs Overdraft Protection is $34.00* each time we pay an overdraft. There is NO LIMIT on the total fees we can charge you for overdrawing your account.

Advantage WILL NOT authorize and pay overdrafts for the following types of transactions unless you Opt-In to Overdraft Protection (see below):

  • ATM transactions
  • Every day debit card transactions

The service charge for Advantage FCUs Overdraft Protection is $34.00* each time we pay an overdraft. There is NO LIMIT on the total fees we can charge you for overdrawing your account.