Overdraft Protection

Help When You Need It Most.

Account Linkage

If you have a savings account or other accounts with us, you can authorize us to transfer the funds needed to cover your overdraft without an additional overdraft fee.

Link Accounts


Overdraft Privilege

If you don’t have enough funds in other accounts to cover your withdrawal at the time of purchase, Overdraft Privilege allows debit card and ATM authorizations to be approved. Each time you overdraw your account, we cover your withdrawal for an additional  overdraft fee. If a member elects not to authorize Overdraft Privilege, certain transactions may be denied.

Personal Line of Credit

With FORUM’s Personal Line of Credit or $500 Ready Reserve, a line of credit is available to cover overdrafts. Ready Reserve comes with FORUM's One Checking Account for members with qualified credit. Other FORUM Personal Lines of Credit are available and may require the completion of a loan application, and approval is based on your creditworthiness. The amount of your line of credit varies based on your credit worthiness.

See Personal Loans

An open safe




Download our Consumer Fee Schedule to learn more.

How To Opt-In

Log In

Log into your
FORUM CU account online.

Find Your Accounts

Click on “My Accounts”

Change Settings

Choose Opt-In Overdraft Privilege

Call Or Visit Your Local Branch


This site uses cookies to provide information that will help us give you the best experience of our site, products and services.
You can learn more at our Privacy Policy page.
Live Chat