Overdraft Options at RFCU


Automatic Transfer from Savings

Automatically transfer money from your savings account to cover overdrafts in your checking account.

Fee for this service:  This service is free.

To enroll:  Contact us at Webmail@RFCU.com, call 781-878-0232, or stop into your local branch. 

Overdraft Line of Credit

Apply for a line of credit that will be automatically accessed to cover overdrafts in your checking account.

Fee for this service:  With a line of credit, you are simply borrowing from this line and you'll be subject to interest charges, just like any other loan.

To apply call 781-878-0232, visit your local branch, or get started by filling out a line of credit loan application.  



Tips for Avoiding Overdraft Fees

As a consumer, there are ways to manage the fees you incur for your banking services. One of the best ways to do that is to actively manage your checking account to avoid overdraft fees.  Here are a few ways we can help:

Direct Deposit

Setting up direct deposit of your payroll or other recurring pay sources is a good way to manage your checking account balance.  You won't need to worry about finding time to get to the credit union to deposit a paper check and very often, direct deposit is available immediately, where paper checks can take a day or more to become available. Set up direct deposit.

Online Banking

Online Banking gives you a full view of your account activity and balance information. You can log in any time, day or night, to see your balance information, what has cleared, what is pending, and more. Enroll in online banking.

Mobile Banking

With your account information at your fingertips, you'll be in control of your banking at all times. Check balances and transaction history; make transfers between accounts; and schedule text alerts. Learn more about mobile banking.

Text Alerts

Set up text alerts so you can be notified when your account balance is low, or when a large transaction clears your account. A brief message will be sent via text to your phone, and you'll be in the know. Find out about text alerts.