What fees will I be charged if HRCCU pays my overdraft?

We offer two types of transactions and fees for overdrawing your account:


Overdraft protection is a service that is on every HRCCU checking account at the time of account opening. This protection will pull money from your savings account to cover a transaction in the checking account if there are insufficient funds to cover the transaction. 

HRCCU covers up to three (3) overdraft transactions per month for free, members are charged $2 for each transaction thereafter. There is no limit on the total fees we can charge you for overdrawing your account. This is reset at the beginning of every month.

Courtesy Pay

Courtesy pay is a service offered by HRCCU that allows you to draw your checking account into the negative to cover a check or electronic payment. 

HRCCU will cover up to $400 in overdrawn transactions through Courtesy Pay. However, you will be charged a fee of $28 per transaction. There is a limit of four (4) fees per transaction type per day.

Need further assistance? You can also call us at 518-654-9028 for support during normal business hours.