Overdraft Protection - East County Schools Federal Credit Union
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Overdraft Protection

Overdraft protection protects against NSF fees and embarrassment associated with "bounced checks". You can select another checking, share, or signature credit line 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, stop by or call 619-588-1515.

How Does Overdraft Work?

  • Your checking account is linked to another East County Schools account such as savings, a separate checking account, or a signature credit line.
  • If you have an overdraft, the credit union will automatically transfer money into your checking account from the linked account(s) to cover the amount of the overdraft.
  • Transfers cost one $2.00 fee/day


  • No fee to enroll and no charge if you never make an overdraft
  • Overdraft transfers are made in $100 increments (or account balance if under $100)

How to get Overdraft on My Primary Account

Overdraft Protection is automatic from your Savings account, 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, text or call (619) 588-1515.

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Members LoveECSFCU!

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    My Loan Officer, Mireya, is truly an asset to ECSFCU. She is competent, articulate, sweet and compassionate. When there was an error in the payoff of my car, Mireya personally took a credit union check and drove it to the dealer to correct it, the same day. We are thankful for the time and effort she put into this important transaction.  That’s customer service, and she is leading the pack!



    Jack Charles, Grossmont High School District, retired