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Overdraft Protection When You Need It

Life can be full of surprises. With the right overdraft coverage, you can be ready for whatever comes your way一simply choose the plan that’s right for you.

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Overdraft Protection

Overdraft protection is your first level of coverage. Once you register, funds from a second MSCU account will automatically transfer to your checking account. Your maximum transfer amount is limited to available funds in your designated account.

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Who’s Eligible?

MSCU members with a checking account and second MSCU  account (such as a savings account).

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An automatic transfer of funds from your second MSCU account to your checking account to prevent an overdraft.

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When Is It Activated?

When there are insufficient funds to cover a check from your checking account.

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Maximum Transfer Amount

The maximum transfer amount is limited to the available funds in your second account.

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Call us at 203-402-7400, email us at info@mscu.net, or come by a branch to sign up or apply for these services; subject to credit approval.

Courtesy Pay

Courtesy Pay is available to eligible accounts and covers overdrafts up to a fixed amount. If you already have Overdraft Protection, Courtesy Pay can act as your second level of coverage. It will only be used when the primary overdraft source is exhausted.

Standard Coverage comes automatically with eligible accounts, but you can select Extended Coverage to cover your ATM and debit card transactions. When used, Courtesy Pay will cost $37.50 per paid transaction, but it costs nothing to have Courtesy Pay on your account.

Covered Transactions

Standard Coverage 

Extended Coverage


ACH - Automatic Debits


Recurring Debit Card Payments 

Online Bill Pay Items

Teller Window Transactions 

ATM Transactions


Everyday Debit Card Transactions



$37.50 when used to cover a transaction

$37.50 when used to cover a transaction

If you want to select Courtesy Pay for future transactions, call us at 203.402.7400; visit any branch; or e-mail us at info@mscu.net; or sign up for Extended Coverage.

Please see our Courtesy Pay Disclosure for full details.

Courtesy Pay Disclosure