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    		 What You Need To Know about Overdrafts and Overdraft Fees

    An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
    1. We have standard overdraft practices that come with your account.
    2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
    This notice explains our standard overdraft practices.

    What are the standard overdraft practices that come with my account?

    At our discretion we do authorize and pay overdrafts for the following types of transactions:
    • Checks and other transactions made using your checking account number
    • Automatic bill payments
    We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
    • ATM transaction
    • Everyday debit card transactions
    We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

    If we do not authorize and pay an overdraft, your transaction will be declined.

    What fees will I be charged if Bluebonnet Credit Union pays my overdraft?

    Under our standard overdraft practices:
    • We will charge you fee of $27.50 each time we pay an overdraft.
    • There is no limit on the total fees we can charge you for overdrawing your account.
    What if I want Bluebonnet Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?
    If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, download and complete this form and present it at a branch, mail it to 1314 Texas Ave., Suite 1800, Houston, TX 77002, fax it to 713-651-0310 or email to admin@bluebonnet.org
    1314 Texas, Ste 1800 Houston, TX 77002-6312 713.646.2820 800.582.8275 FAX 713.646.2802

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