When overdraft happens, we’ve got you covered. We offer Overdraft Protection, Standard Overdraft Privilege, Extended Overdraft Privilege, and Student-Minded Overdraft Privilege. These services may sound similar, but they help you avoid having transactions declined in different ways.

Our Overdraft Coverage Options and the transactions or items they are used to pay are summarized below:

*Requires member consent, i.e., “opt in”

More detailed information about our Overdraft Coverage Options and how we decide if an overdraft has occurred in your checking account is here.

The fees related to using the different Overdraft Coverage options are here.

Overdraft Protection

Overdraft Protection is included when you open your checking account. It pays transactions that would overdraw your checking account by automatically transferring funds from a different account you have with Texas Trust that is linked to your checking account. You have the option to link a savings account, credit card, line of credit, or even another checking account. Through Online Banking, you can link multiple accounts and customize the order in which you want to use them to cover your overdrafts. [Learn More]

Overdraft Protection is not a line of credit. We provide Overdraft Protection to eligible members at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined, and a separate NSF Fee will be charged for the initial presentation of the transaction and for any re-submissions or re-presentments.

Standard Overdraft Privilege

Standard Overdraft Privilege is provided to you when your account is opened and stays in place as long as your account remains in good standing. When you have an overdraft in your checking account and your linked accounts do not have sufficient available funds to pay it, we use Standard Overdraft Privilege for purchases made using your checking account and routing numbers.

This coverage includes Bill Pay payments, checks, and ACH transactions. We’ll pay these transactions automatically up to your overdraft limit. [Learn More]

Standard Overdraft Privilege is not a line of credit. We pay overdrafts with Standard Overdraft Privilege at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined, and a separate NSF Fee will be charged for the initial presentation of the transaction and for any re-submissions or re-presentments.