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Overdraft Protection

Overdraft protection protects against NSF fees and embarrassment associated with "bounced checks". You can select another checking, share, money market, personal line of credit, or home equity loan to be used for automatic transfer in the event funds are not available to pay an item.

New checking accounts are automatically enrolled with Savings as the designated Overdraft Protection source unless requested otherwise. To make changes or add additional sources for Overdraft Protection, call our branch at 619-588-1515 or stop by a branch.

How Does Overdraft Work?

  • Your checking account is linked to another East County Schools account such as savings, money market, a separate checking account, or a personal line of credit.
  • If you have an overdraft, the credit union will automatically transfer money into your checking account from the linked account to cover the amount of the overdraft.
  • Protects check and debit card transactions, ATM withdrawals, online bill payment and automatic/recurring debit payments.
  • Transfers cost one $2.00 fee/day (up to allowed 6 transfers)


  • No fee to enroll and no charge if you never make an overdraft
  • You may select two overdraft accounts
  • Overdraft transfers are made in $100* increments (or account balance if under $100)
  • Money market and share overdraft transfers are limited to 6 per month **
  • Overdraft transfers from a personal or home equity line of credit will be completed up to available line of credit

How to get Overdraft on My Account

Overdraft Protection is automatic, unless you decline or don't set it up at the time of account opening. If you would like Overdraft Protection, or confirmation that you have it, contact a branch or call (619) 588-1515.

* Overdraft transfers from home equity accounts are made in increments of $500.
** In compliance with Reg D.

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Members LoveECSFCU!

  • Todd Linke IMG_4888 no wording cropped
    After financing a newly purchased truck with ECS, Todd wrote: Thank you for your efficient and friendly service! I always appreciate the "small bank" customer service, but the "big bank" options!
    Todd Linke, Mount Miguel HS Science Department
  • Karl Danielson 2018
    I've bought three cars through the credit union. They make it very easy, very simple, and you can't beat the interest rate. I highly endorse them, their friendly staff, and the service that East County Schools gives its members!
    Karl Danielson Granite Hills HS Television, Film and Digital Media Teacher
  • ECSFCU is big enough to approve loans with great rates and small enough to provide personal service and products that are important to the educational community.
    Randy Montesanto Grossmont Union High School District
  • We bank with East County Schools Federal Credit Union and learned they also have a great car buying service! We decided to look into it and ended up with the best customer service, an amazing price, no hassle of going to the dealership, and a brand new 2017 Honda Accord Sport! A year later, we were in need of another car for our growing family. It was an easy decision to go with the credit union and New Cars Inc again. The process and customer service didn’t disappoint once again, and we love our new 2018 Honda CRV! A big thank you to New Cars Inc and ECSFCU!
    Carly and Luke Esquerra