Andrews Federal Credit Union Digital Banking User Guide

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Account Services

Privilege Pay

Privilege Pay is our overdraft program that allows you to withdraw more than your account balance for a short period of time in order to cover unexpected overdrafts. Andrews Federal Credit Union will advance you the money you need to pay presented items (up to a pre-determined limit) by allowing your checking account balance to go temporarily negative, with the expectation that you will pay back the negative balance in a reasonable period of time (no more than 25-30 days). Your account is automatically enrolled in Privilege Pay once your account meets certain criteria. There is a fee per transaction that is covered by Privilege Pay. Current fees can be view here. If you are eligible for Privilege Pay, you have the additional option of electing to have Privilege Pay cover your everyday debit card purchases (i.e. one time debit card purchases). However, you must Opt In in order to obtain this additional coverage. If you do not choose to Opt In for this additional coverage, and you do not use any of the other overdraft options, we will otherwise decline any debit card purchase for which you do not have sufficient funds in your checking account.

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In the Account Services tab, click Privilege Pay . 1. Toggle the ‘Authorized Status’ on an account. 2. Review and accept the Privilege Pay disclosure. 3. Click the Submit button.

Account Services: Privilege Pay

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