Overdraft Protection

We offer a linked account option, MyTransfer, as well as overdraft lines of credit.




Setup Fees: $0 $7.50 Credit Report Fee
Overdraft Transfer Fee: $5 per occurrence, $30 day per day maximum No transfer fee
Coverage: Checks, automatic payments, recurring payments, providing that funds are available in your linked account.
Checks, ATM withdrawals, debit card purchases, automatic payments, and recurring payments.

Link your checking account to a Washington Federal savings or money market account, so in the event of an accidental overdraft, we transfer the needed funds to cover you.

Call us at 1-800-324-9375
to get started

We will automatically transfer funds to your checking account as needed when checks, electronic debits, or debit/ATM transactions post to your account. A $5 overdraft transfer fee is charged to your checking account when we transfer funds to cover an overdraft. There is no startup or monthly fee to participate in the MyTransfer service. Only one account holder is required to setup the MyTransfer service.

Federal regulations limit withdrawals from savings and money market accounts made via pre-authorized, electronic, telephonic, check, or overdraft transfers to six (6) per month. You are subject to a $15 fee for each excess withdrawal.

Choose to back up your accounts with a flexible line of credit. You’re covered for accidental overdrafts, plus you can advance the line of credit for unavoidable expenses. You only owe a payment, when the line of credit has a balance.

Call us at 1-800-324-9375
to get started

  • You may request an unsecured line with limits from $500 to $10,000, depending on your credit qualifications and approval.
  • The current interest rate/index/margin is 11.75%*, based on Prime Rate (Index)** plus 7.00% margin. The interest rate can change daily when the index changes.
  • A low application fee of just $7.50 is due at time of application to cover the cost of your credit report.
  • No annual fee as of May 1, 2014. Subject to change. Please see our schedule of consumer fees and service charges.
  • The line will be repaid through automatic payment from the linked checking account. The payment amount is based on 2.5% of outstanding balance or $50, whichever is greater.
  • Enjoy unlimited line of credit advances (up to your available balance).

*Rates are subject to change.

**Prime Rate will vary. Current Prime Rate is 4.75% as published under the Money Rates in the Western Edition of the Wall Street Journal.       

OverdraftLine is subject to additional terms and conditions and credit approval.