Accounts
Loans & Cards
Investments
Services
Education
Business
LocationsRates
Español

Frequently asked questions about

Overdraft

Overview

What is an overdraft?
What is the difference between an overdraft fee and a nonsufficient funds (NSF) fee?
How do overdraft services work?
What happens if the credit union pays my overdraft, but I can't repay the credit union?

Refunds, transactions and opting out

Who can refund an overdraft fee?
What types of transactions are covered by overdraft services?
How do I opt out of overdraft services?

Standard overdraft privilege

Will I be charged a fee for using Standard Overdraft Privilege?
How is Standard Overdraft Privilege different from Linked Account Protection?
How do I opt back in to Standard Overdraft Privilege if I have previously opted out?
Who is eligible for Standard Overdraft Privilege?

Other overdraft services

If I have more than one overdraft service, which option will be applied first?
What overdraft services options are available through the credit union?

Service center

1-800-748-4302

Routing number

3240 7955 5

Download our App

App StoreGoogle Play
Sitio en Español
SupportContact usFAQsFind a branchMake a loan paymentOffersOnline accessibilityProtect yourself onlineReport fraudSchedule an appointment
Who we areAbout usAwardsCareersCommunity involvementFinancial educationMember advocacyMembershipNewsletterNewsroom
Quick linksAuto loansBusiness servicesCertificate accountsChecking accountsCredit cardsDebt consolidationMortgagesRatesSwitch to Mountain America
Guiding you forward
© 2026 All rights reserved. Mountain America Credit Union, P.O. Box 2331, Sandy, UT 84091, 1-800-748-4302. Unauthorized account access or use is not permitted and may constitute a crime punishable by law. Mountain America Federal Credit Union does business as Mountain America Credit Union. Membership required—based on eligibility. Loans on approved credit. ‡Annual Percentage Yield (APY). Annual Percentage Rate (APR).
Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S. Government Agency.Federally insured by NCUAEqual Housing LenderNMLS ID 462815Consumer Privacy NoticeOnline Privacy NoticeCookie Notice
Patriot Act & Other Disclosures