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Credit Union West
Routing Number: 322172153
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Overdraft Coverage

The choice is yours. Compare overdraft coverage options.

Optional Transaction Coverage

As a member, we've got your back. Eliminate the surprise of an unexpected checking account transaction decline with Overdraft Coverage. There are several options for Overdraft Coverage including Overdraft Transfers, Overdraft Privilege (standard and extended), and Credit Reserve lines of credit.

These programs not only cover you in the moment but also prevent the potential of merchant fees from returned checks or declined transactions. Get the peace of mind today knowing your transactions will be processed as intended. Learn more about your options below!

Multiple Coverage Options

Set Your Preferences Today

Set Preferences online

Login or enroll in Online Banking to select Overdraft Privilege as your coverage option, or apply for Credit Reserve by submitting a loan application.

Call or message us

Give us a call or send a secure message to discuss overdraft coverage options or to set your checking account preferences.

Schedule Appointment

Schedule an appointment, to update or select your preferences, at your nearest branch.


Instant Answers

Can I use more than one type of Overdraft Coverage? 

Yes. You may use multiple overdraft coverage option. With multiple coverage types, select your primary coverage option by speaking with a member of our team on the phone or in-branch. 

Where can I get more information? 

For full details, please call us at 1.800.621.0287, visit your nearest branch location or view the Overdraft Coverage Disclosure.