What is the overdraft policy?

Travis Credit Union has an overdraft policy that is designed to assist members in managing their accounts and preventing declined transactions due to insufficient funds. Under this policy, Travis Credit Union may allow transactions to be processed even when the account balance falls below zero, thereby covering the member's shortfall. This can be beneficial in preventing bounced checks, declined debit card transactions, or missed payments. However, it is important for members to be aware that overdrafts may result in fees. These fees are typically associated with each overdraft transaction, and the total amount overdrawn will need to be repaid to the credit union in a timely manner. Additionally, members can choose to opt into overdraft protection services, which may tie to a savings account or a line of credit, further mitigating the risks associated with overdrafts. Members seeking detailed information on specific terms, fees, or the process involved should refer to the current web page of Travis Credit Union to find relevant resources and contact information if needed. Understanding the policy thoroughly can help manage finances more effectively and avoid unexpected fees.