Service	Cost
Overdraft Protection Link to Savings Account	$5.00 fee per transfer
Overdraft Protection ReturnGuard (Up to $300)	$28 overdraft fee per item

The Credit Union's fee of $28 per item will be deducted from the Return Guard limit.

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.

Call us at (478) 745 – 0494 or come by a branch today to learn more about these services.

Ready to sign up? To opt in or out of extended coverage with your debit card, please contact a member service representative.

Transactions Covered with Overdraft Privilege	Standard Coverage (No action required)	Extended Coverage (Your consent required)*	If you would like to select Extended Coverage for future transactions:
Checks	X	X	Call us at: (478) 745 - 0494
ACH – Automatic Debits	X	X	Contact a member service representative.
Recurring Debit Card Payments	X	X	Visit any branch
Online Bill Pay Items	X	X
Online Banking Transfers	X	X
ATM Withdrawals		X*
Everyday Debit Card Transactions		X*

You can discontinue the Overdraft Protection at any time by contacting us at (478) 745 – 0494.

Report Lost or Stolen Card

The consumer must repay any overdraft on his or her account within 30 days.  If the account remains negative after 30 days, account may be closed at the Credit Union's discretion. CGR Credit Union will cover overdrafts on eligible accounts at their discretion up to $329.95; any amount over the limit will not be covered by the credit union.