Bridgewater Credit Union, a Division of Merrimack Valley Credit Union
Overdraft Protection

Overdraft Protection Options

Life happens! Bridgewater Credit Union, a Division of Merrimack Valley Credit Union (hereby referred to as Bridgewater Credit Union) understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help. 

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:
Preauthorized Overdraft Transer
A link to another Deposit Account you have at Bridgewater Credit Union1
Free, subject to transaction limitations if it is a savings or money market account. 
Safeguard Overdraft Line of Credit1,2 Subject to fees + interest and credit approval. 
Discretionary Overdraft Privilege $27 Insufficient Fund Fees (NSF Fee) per item ($5 Insufficient Funds Fee (NSF Fee) for account holders 19 years of age or younger and account holders over 65 years of age). 

1Call us at (800) 897-0343, email us at, or come by a branch to sign up or apply for these services; 2Subject to credit approval.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Bridgewater Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval. 


The Discretionary Overdraft Privilege allows you to overdraw your account up to the disclosed limit in order to pay a transaction. You will just incur the standard Insufficient Funds Fee (NSF Fee) when this occurs. Even if you have overdraft protection, the Discretionary Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.


Transactions Covered with the Discretionary Overdraft Privilege
Standard Coverage
(No action required)
Extended Coverage
(Your consent required on consumer accounts)*
If you would like to select Extended Coverage for future transactions:


ACH- Automatic Debits X X
Recurring Debit Card Payments X X
Online Bill Pay Items X X
Internet Banking Transfers X X
Telephone Banking X X
Teller Window Transactions X X
ATM Withdrawals    X*
Everyday Debit Card Transactions    X*
*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage.
If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue the Overdraft Privilege in its entirety by contacting us at (800) 897-0343 or sending us an e-mail at

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MSIC NCUA Equal Housing Lender Intercept SUM

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