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SIUCU Mobile

Free - On the App Store

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SIUCU Mobile

Free - On the App Store

Overdraft Protection

Overdraft Protection Options

Get Peace of Mind and Avoid Overdraft Fees

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  • ​​​​Loans from $500-$1000 that can cover you until payday
  • Save money on costly overdraft fees
  • No embarrassment from being overdrawn

​What is an Overdraft Protection loan?

​An Overdraft Protection Loan provides members with an economical option when times get tough. Sometimes life happens and unexpected expenses can put a drain on your accounts. This easy-to-set-up alternative can prevent overdraft fees from piling up. An Overdraft Protection loan is extremely flexible and there when you need it. In addition, as with any SIU Credit Union loan, you’ll feel the difference when it comes to member service and individual attention.

Courtesy Pay

Courtesy Pay is a service that allows SIU Credit Union to pay an item presented for payment against your checking account even if it causes the account to become overdrawn. This may include checks (share drafts), ACH, in-person withdrawals, ATM withdrawals, debit card and Bill Pay transactions. This service is available to members in good standing and you will be charged $25 per covered overdraft transaction. This means that instead of returning a check to the merchant because of insufficient funds, SIU Credit Union may pay your item, saving you additional charges from the merchant. You may opt out of Courtesy Pay at any time by asking us to remove the service from your account(s). Reach out to a representative for more details.

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Calculate your payment

This loan calculator will help you determine how much you can afford.

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​Easy online applications

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  • ​*Membership required. All loans subject to credit approval.