Enhancements to Overdraft Privilege Service

St. Louis Community is making enhancements to our Overdraft Privilege (ODP) service, taking effect Tuesday, January 17.
  • All qualified new and existing checking accounts will be granted a minimum ODP limit of $50.¹ After 30 days of membership, or 60 days for Freedom Checking Accounts, you may qualify for a higher limit.²
  • If you already enjoy our ODP service with an ODP limit higher than $50, you will continue to do so.
  • Please note that restrictions apply to any account that remains negative for more than 30 days.³
  • Additionally, when the net available balance of your account is less than $3.00 negative, we will waive the overdraft fee for the transaction that caused the negative balance!
Overdraft Privilege is not a line of credit, but rather protection against occasional, inadvertent overdrafts. Click here to read about how to manage your account against the risk of an overdraft.
Click here for a copy of our updated account agreement.
Thank you for your membership.
¹If you would like to opt out of this service, please contact us at 314-534-7610 for further details or visit any branch.
²Based on the type of checking account you have, you may qualify for an ODP limit of $200, $400, $700 or $1,000. Other qualifications apply. See Credit Union for complete details.
³If your account remains negative for more than 30 days, your account’s ODP limit will return back to $50.
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