Overdraft Protection

If you have ever overdrawn your checking account, you’ve experienced the embarrassment, inconvenience and expense of bounced checks. You can protect yourself and your credit record by establishing Overdraft Protection on your VITAL FCU checking account.

You can designate either a savings or elite checking account. Then, if you overdraw your checking account, the overdrawn amount will be transferred from the designated account.

There is no fee for automatic overdraft transfers. The number of overdraft protection transfers is limited to six (6) per calendar month if from a savings or elite checking account.

Discover more of what your Vital Federal Credit Union has to offer!


Member Benefits

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Great Rates

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Mobile Banking

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Home Equity Loans


Due to excessive fraud Florida and Ohio have been blocked for Visa debit card transactions. Please contact either branch for further details. Learn more