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An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. Merrimack Valley Credit Union and Bridgewater Credit Union, a division of Merrimack Valley Credit Union, can cover your overdrafts in two different ways:
We authorize and pay overdrafts for the following types of transactions:
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
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.
Under our standard overdraft practices:
If you want MVCU and BCU to authorize and pay overdrafts on ATM and everyday DEBIT card transactions, fill out and submit the form below, visit any branch location, or call our Member Service Center at 1-800-356-0067.
You can revoke your authorization for MVCU and BCU to pay these overdrafts at any time by any of the above methods.