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Stay Protected

Why opt in?

Safe Harbor Credit Union’s overdraft protection is designed with your protection and convenience in mind.  The vast majority of our members do not overdraw their accounts and incur fees, however life doesn’t always go according to plan, and overdrafts do occur.  Without overdraft protection, your ATM and everyday debit card transactions may be declined if you attempt to make a transactions without sufficient funds.

For existing accounts: If you DO NOT opt in, beginning August 15, 2010, your ATM and everyday debit card transactions will NOT be protected under Safe Harbor Credit Union’s overdraft protection unless you opt in.

For new accounts: If you open a new account on or after July 1, 2010, your ATM and everyday debit card transactions will not be protected under Safe Harbor Credit Union’s overdraft protection unless you opt in.

How to opt in?

Stop by the credit union or click here to print the opt in form.  Once the form is completed, you can drop it off or fax it to 231.845.7654.  You can also mail it to us at P.O. Box 980, Ludington MI 49431.

For more information or if you have any questions, please refer to the “What you Need to Know:  New Overdraft Rules for Debit & ATM cards”, found here or call us at 231.843.2323 or email information@safeharborcu.org

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