Skip to content

Miscalculating a bill payment or forgetting to deposit a check can happen to the best of us. Luckily, SWACU can cover you when you sign up for overdraft protection.

If you write a check greater than the balance in your account, we'll automatically transfer funds up to your available limit to cover the payment. You can designate your savings account or a separate overdraft protection loan to do this. Give yourself some peace of mind with overdraft protection.


  • Competitive rates
  • Automatic transfer covers the amount of overdraft
  • Avoid merchant fees and third-party bank fees
  • Automatic transfer fee will apply
  • Must apply for loan if not using savings account for overdraft
  • Relieve stress of wondering when deposits will post

Example Repayment Term: 60 monthly payments of $351.84 for a $20,000 loan at 2.15%.

APR= Annual Percentage Rate.


Apply for a Loan

Need financing? We've got your back. Apply online in just minutes!

Consumer Loans Mortgage Loans

Become a Member

Join the SWACU family for awesome rates and unmatched service.

Learn More Join