Overdraft Privilege Program
Disclosure and Opt-In Authorization

What you need to know about overdrafts and overdraft fees

An overdraft occurs when you do not have enough funds available in your checking account to cover a transaction and the credit union pays it anyway. TruMark Financial can cover your overdrafts in two different ways:

  • Standard overdraft practices, such as a link to a savings account, which automatically comes with your account. Lines of credit also are available. To learn more, please ask a credit union representative.
  • Overdraft Privilege program. This notice refers to our Overdraft Privilege program.

TruMark Financial offers an Overdraft Privilege program to qualified* members. The utilization of this program is at the credit union’s discretion; the credit union may pay overdrafts for the following types of transactions from your checking account:

  • Checks
  • ACH withdrawals
  • Bill Payer payments
  • Recurring debit card transactions (e.g., monthly bills charged to your card)

The credit union will not pay overdrafts via the Overdraft Privilege program for the following type of transactions unless you provide us with written permission:

  • One-time debit card transactions (e.g., everyday purchases)
  • ATM Withdrawals

When you utilize the Overdraft Privilege program, a $32 fee will be assessed for each item that takes your account negative. Although there is no limit to the total instances you may take your account negative and thus the respective fees you may incur, if you exceed 20 transactions in a month for three (3) consecutive months you will be permanently withdrawn from the ODP program.

You have a right to opt into this program: I authorize TruMark Financial to pay my overdrafts via the Overdraft Privilege program for one-time debit card transactions (e.g., everyday purchases). Authorizing TruMark Financial to pay overdrafts from the Overdraft Privilege program does not constitute a contract with, nor obligation of, TruMark Financial to do so; it may decline the transaction. Either the primary member or the joint member (if applicable) may opt into the Overdraft Privilege program. Only one accountholder signature is required.

Please provide your account information.
Membership Account Number:
Last 4 digits of primary accountholder's Social Security Number:
Date of birth of the primary accountholder: / /
Accountholders may authorize the credit union's Overdraft Privilege program by:
  • Check "Opt-In," complete information, and then click on "Submit."
  • Call toll-free 1-877-TRUMARK
  • Complete and mail in a paper form
  • Complete and deliver a paper form to any of our branch locations

*Refer to the Overdraft Privilege disclosure to see how you can qualify. Our Overdraft Privilege program does not constitute an actual or implied agreement between you and us, nor does it constitute an actual or implied obligation of ours or by us. This service represents a purely discretionary privilege or courtesy which we may provide to you from time to time and may be changed, withdrawn, or withheld by us at any time, without prior notice, reason, or cause.