Overdraft Protection

SECU members can now opt in for overdraft protection on everyday debit card transactions.

Have you ever been in the checkout line and had your debit transaction declined because you didn’t have enough money in your checking account? Ouch! That's very frustrating - and a little embarrassing.

Think of overdraft protection as a safety net—it’s there if you need it and it’s free until you use it. In the event we cover your overdraft, the fee is $30. 

Now you're in control. You can choose to allow an underfunded transaction to process or be denied at the point of purchase. Sign up for overdraft protection and the peace of mind that comes with it.

There are several ways to opt in to Overdraft Protection:


Click the link for "Debit Card Overdraft Options" under the Checking tab within Online Banking

By Phone

Call 410-487-7328 or 800-879-7328 to talk to a representative about your options.

In Person

Visit your local branch.

By Mail

Complete the Overdraft Opt-in Form and mail it to the address on the top of the form.