Courtesy Overdraft Program


Courtesy Overdraft Program (Standard Overdraft Plan) is available to members who meet the following criteria and opt-in to the service. Standard Overdraft Plan gives you peace of mind when unplanned expenses occur. It helps eliminate the worry and headaches that come with returned items and may save you the expense of return check fees.

Important notice: Criteria to be eligible for Courtesy Overdraft Program include the following:

  • Account was established at least 60 days ago
  • Account cannot have a zero balance for the last 30 consecutive days
  • The account was not overdrawn for the last 15 consecutive days
  • Your account is not subject to any legal or administrative orders or levies
  • You are current on all HiTel FCU loans
  • Your address on file with us is current
  • Your membership is in good standing

To Opt-In, click here.

To view the Discretionary Courtesy Overdraft Program Disclosure, click here.

For more information about our Courtesy Overdraft Program, click here.


For more information about this service, please click here or email our Loan department at loans@hitelfcu.com or call 1-808-832-8740.