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Overdraft Privilege Opt-in

Ensure your debit card and ATM transactions are covered all the time.

In today's fast-paced world, it's easy to forget to review your checking account balance regularly before making a purchase. Maybe your direct deposit is still pending, or you forgot about the birthday check you sent your niece. We understand that mistakes happen and that's why we offer Overdraft Privilege for debit card and ATM transactions, a special service to eligible members to help out when you accidentally overdraw your checking account. With ODP, Northern's got you covered, allowing your debit and ATM transactions to be processed as requested.

3 ways to Opt-in for ODP

for debit card and ATM:

  • Call a Member Solutions representative at 315.782.0155    
  • Register through Online Banking
    • Login
    • Click "Accounts"
    • Click "Overdraft Privilege"
  • Complete our Opt-in Consent Form below!

When you opt-in for ODP, Northern will charge a $32 fee each time we pay an overdraft. We strive to approve and pay items presented up to your overdraft limit at our discretion. The amount of overdraft coverage you receive will vary, and will be determined by your account history, deposits, and your overdraft repayment patterns. Limits may range from $100 to $1500. The total overdraft amounts plus fees may not exceed your limit. Any overdraft item Northern pays is done with the anticipation you will immediately make a deposit to bring your account to a positive balance.

Opt-in Form

Take 30 seconds to complete this consent form to opt-in for our Overdraft Privilege services on your ATM and debit card transactions. Please allow us one business day to complete your opt-in request. Submissions completed on a weekend will be completed during the next business day.



Would you like Northern Credit Union to authorize and pay overdrafts on your ATM and everyday debit card transactions?

By agreeing to opt-in, you acknowledge that Northern will charge you $32 per overdraft. There is no limit on the total fees we can charge you for overdrawing your account. Available only to eligible personal checking accounts. All business, savings, Money Market, Public Fund / Charitable Organization Accounts and minor accounts are not eligible. We may limit the number of accounts eligible for Overdraft Privileges to one account per household. You may opt-out of Overdraft Privilege on your debit card at any time by logging in to Online Banking or by calling 315.782.0155.