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Deposit Services

OOPS! Occasional Overdraft Privilege Service

Have you ever...

  • Made a Mistake in your checkbook?
  • Forgotten to record a deposit? A purchase? A withdrawal? A check order?
  • Had to "guess" at what transactions a joint owner has made?
  • Had a transaction denied or turned down at checkout?
  • Had the embarrassment and expense of a returned check?

We can not promise or guarantee these things will never happen, but what we can do is consider OOPS!

Rather than automatically returning unpaid all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned OOPS! Limit. You do not have to apply for this service and you do not need to sign any additional documents for the service. It is already a part of your Checking Account Agreement with us. WIth some exceptions most of our checking account types are elgible for this service. See "Ineligible Accounts"; "Eligible Account Types; and "Eligible Transaction types in the OOPS! Policy.

If you do not use the OOPS!  Service it costs you NOTHING. "Use" means you initiate insufficient funds transactions. If you do not use the OOPS! Service you WILL be charged our customary fees set in the OOPS! Policy. If you have any questions concering the OOPS! Service, please contact a Member Service Representative at any St. Jean's Credit Union Location.

View St. Jean's Credit Union's OOPS! Policy