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  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, a checking account or a 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 number
  • Automatic bill payments

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 Community Resource Credit Union pays my overdraft?
Under our standard overdraft practices:

  •  We will charge you a fee of $29.50 each time we pay an overdraft
  • There is no limit on the total fees per day we can charge you for overdrawing your account


If you want CRCU to authorize and pay overdrafts on your ATM and everyday debit card transactions, please complete the secure form below.

Online Opt-In Form  

First Name Middle Initial Last Name
First Name is required. Last Name is required.

Account Number
Account Number is required.

Please check box to submit form. I/We confirm that I/We have read and understand the disclosure above regarding my right to opt in for the financial institution to pay my ATM or one time debit card transactions.

I understand that I have an ongoing right to revoke this consent at any time.

Other Ways to Opt-In



In Person

Baytown 281.422.3611

Crosby 281.462.2728

Atascocita 281.462.2728

Out of area 800.238.3228

Print Opt-In Form


Visit a CRCU branch and talk with any of our friendly personal financial officers.