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Overdraft Privileges (ODP)


Mistakes happen. Usually when you overdraw your account, it’s the result of a simple mistake, and can be traced back to one of the following: a deposit that’s still pending, an error in balancing, or a forgotten transaction. At Mid Carolina CU we understand this, and that’s why we offer Overdraft Privilege, an added level of protection against unanticipated cash flow emergencies and account reconciliation errors. With Overdraft Privilege shortages can be covered, allowing your transaction to be processed as you’ve requested. This benefit covers eligible overdrafts up to a predetermined amount, at Mid Carolina CU's discretion.*

At Mid Carolina CU, we do not encourage overdrafts. As always, we encourage you to maintain your finances responsibly. The purpose of this privilege is to save you from the embarrassment, additional merchant fees or other problems that might result if an item is returned or rejected.
Overdraft Privilege is subject to a fee of $30 per instance. This is the same per instance fee we charge for non-sufficient funds [NSF], but also provides you with:
  • Protection from merchant returned check & ACH charges.
  • Protection of your credit.
  • Protection from the embarrassment of a rejected debit card transaction of non-sufficient funds and returned checks.
Overdraft Privilege will only be extended if you opt-in. You may change your Overdraft Privilege option at any time, opting in or out as you feel appropriate. Simply follow one of the directions below to opt-in or opt-out. Please allow two to three business days for your request to take effect.
Other Options for Overdraft Protection
Transferring funds from a Mid Carolina CU Savings account
Link your checking account to your savings account for extra protection. You can have a representative set this up for you. Once set up, if you try to complete a transaction but there aren’t sufficient funds, we’ll automatically draw needed funds from your savings account (including any fees) as available. If you do this and also sign up for Overdraft Privilege, we’ll access your savings account first for needed funds before using Overdraft Privilege and imposing the Overdraft Privilege fee of $30 per transaction.
Where can I find complete details and disclosure information about Overdraft Privilege?
Opt-in to Overdraft Privilege Today!
An extra level of protection from... emergency expenses, account balancing mistakes and more.
  • Log-in to Online Banking, select "Account Services," then "Overdraft Services". Click here, for complete online instructions.
  • Call 803-432-8521
  • Print and submit the form any of these ways:
    - mail it to ODP, Mid Carolina CU, PO Box 549, Lugoff SC 29078
    - deliver it to your local branch
    - fax it to 803-425-1936
*Overdraft Privilege services are at the discretion of Mid Carolina CU and opting in is not a guarantee that overdrafts will be covered.


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719 Highway 1 South, Lugoff, SC 29078
803-432-8521 or 1-800-433-5226
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