Opt-In Request

Have you ever had a situation where you are making a purchase with your debit card and suddenly realize that the check you meant to deposit a few days earlier is still sitting in your wallet? You worry and wonder whether that purchase will go through. We can help ease your mind.

No Worries
At Sentinel Federal Credit Union, we provide overdraft services to cover those ATM and every day debit card transactions – saving embarrassment and the extra hassles in your already busy day. We want to be sure you are aware of the overdraft protection options available to you – to ensure your transactions are processed.

Easy to Get Started
The following information provides you with the information you’ll need to make an informed decision on whether overdraft services are right for you. Please take a moment to review the options available. If you would like to sign-up, simply complete the form below and we’ll add that coverage to your account.


What You Need to Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account or overdraft line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account
  • Automatic bill payments
  • ACH transactions

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if the Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $35 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want the Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, simply complete the opt-in request form below and then click submit. You may also call 605-923-1405 or toll free at 888-923-1400.


Add Coverage

I want Sentinel Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions. I have the right to revoke this coverage at any time by contacting Sentinel Federal Credit Union in writing or by phone.
  • This field is for validation purposes and should be left unchanged.