You may choose to use one of the accounts or loans shown below, or you may use certain combinations of these accounts and loans as your Overdraft Protection sources.

Link your Checking Account to any Share Account under the same member number.

If you accidentally overdraw your Checking Account, we will automatically transfer the amount necessary to cover the overdraft from the available balance in the Share Account (Regular Share or Money Market Account).

Please note: If you are opening your Checking account online and wish to use your Money Market Account as your overdraft protection source, please contact our Call Center at 850-747-4300 or 888-896-3255 toll-free.

Governmental Regulation D restrictions do apply to such transfers.

Fee:

  • One FREE Overdraft Transfer per month
  • $3.00 fee per item, if in excess of one per month

Link your Checking Account to your Tyndall VISA® or Line of Credit.

If you accidentally overdraw your Checking Account, we will automatically transfer the amount necessary to cover the overdraft from the available balance on your VISA or Line of Credit.

Fee:

  • One FREE Overdraft Transfer per month
  • $3.00 fee per item, if in excess of one per month
  • Interest on the amount advanced accrues as of the date of the advance

Link your Checking Account to a combination of the TFCU accounts or loans shown above.

The sources of Overdraft Protection are accessed in the order of your choice. You may use up to two accounts and one loan as Overdraft Protection sources.

Fee:

  • One FREE Overdraft Transfer per month
  • $3.00 fee per item, if in excess of one per month

For example:

  • Use your Regular Share Account as your first Overdraft Protection (ODP) source and your VISA as your second ODP source.
  • Use your Regular Share Account as your first ODP source, followed by your Money Market Account as your second ODP source. You may wish to use your Line of Credit as your third ODP source.

If you have any questions about Overdraft Protection or if you wish to set up your Overdraft Protection options,

  • Speak with a Financial Sales Representative at any of our convenient Branch locations, or
  • Contact our Call Center at 850-747-4300 or, toll-free, at 888-896-3255