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.
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