Overdraft Protection

At Nusenda Credit Union, we understand that mistakes can happen when it comes to your personal banking. That’s why we offer options that provide a safety net for those occasional mistakes, like when you have insufficient funds in your account to cover a payment.

With checking account Overdraft Protection, you can opt to use funds from a personal line of credit, a money market account, or your savings account to cover a checking account overdraft. Your credit union also offers Courtesy Pay for qualified members (more information below). 


Sign Up for Overdraft Protection

To sign up for overdraft protection, visit your favorite Nusenda Credit Union branch or call 505-889-7755 (or 800-347-2838 outside Albuquerque).

Courtesy Pay

Add extra overdraft protection for your checking account or debit card with Courtesy Pay, which covers most declined debit card transactions and insufficient funds up to $500 for one low fee per transaction.

Courtesy Pay can help you avoid additional charges from merchant collection companies and bounced checks, and it can also help protect your credit rating. Courtesy Pay is overdraft protection that covers bills that you automatically pay from your checking account and electronic and recurring debit card transactions.

Sign Up for Courtesy Pay

Interested in adding this extra overdraft protection to your Nusenda Credit Union checking account? Visit your nearest Nusenda Credit Union branch or call 505-889-7755 (or 800-347-2838 outside the Albuquerque area).


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*Courtesy Pay Overdraft Protection Services pay checks, point-of-sale debit card (Visa Debit Card and debit card) transactions, ATM withdrawals and ACH transactions presented against your checking account when it is overdrawn. We will charge a fee of up to $21-$35 each time we pay an overdraft using Courtesy Pay Overdraft Protection. If your account is overdrawn for 3 or more consecutive business days, a $5 fee will be charged each day thereafter if the account remains negative. Nusenda Credit Union pays overdrafts at our discretion and reserves the right not to pay.