Overdraft Privilege Plus (ODP)

Vermont Federal offers a discretionary Overdraft Privilege Plus service (restrictions apply) for when your checking account balance is insufficient to cover debit card purchases and/or ATM withdrawals. In order to have access to this discretionary Overdraft Privilege Plus service, you must specifically request this service through our Opt In request approval guidelines.

What Happens When I Opt In?

In order to utilize this discretionary Overdraft Privilege Plus service, and to authorize Vermont Federal to pay overdrafts on your account, you must Opt In to this discretionary Overdraft Privilege Plus service. Without your election to Opt In, Vermont Federal will not be able to provide Overdraft Privilege Plus for everyday debit card transactions when you have an insufficient account balance.

To Opt In, please contact Member Services at 888-252-0202, Option 3.

What Happens When I Opt Out?

Vermont Federal will not be able to provide Overdraft Privilege Plus for ATM or everyday debit card transactions that would cause your account to reach a negative balance. This means that if you are at the gas pump or the grocery store ready to pay and your debit card is denied due to insufficient funds, we would be unable to assist you with the purchase at that time.

To Opt Out, please contact Member Services at 888-252-0202, Option 3.

 

If you have questions, please contact us at (888) 252-0202, Option 3.

The use of this service has a fee, please see our current fees.
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