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ChecProtect Overdraft Protection

  • Provides overdraft protection for select checking accounts 
  • Prevent embarrassment and payee fees of declined check or card transactions
  • Available on Truly Free, Advantage and Senior Advantage checking accounts
  • Product Details
  • Fees and Terms
  • We're here for support when you don't have enough money in your account to cover a transaction. Our ChecProtect coverage offers members whose accounts are in good standing with overdraft protection, allowing important items to clear and helping you avoid returned payment fees from payees.

    ChecProtect Has Your Back - and Your Checks - Covered

    • Offers overdraft protection on Truly Free, Advantage and Senior Advantage checking accounts (including fees) up to an amount based on account history and activity when sufficient funds are unavailable (paper checks, electronic drafts and debit card transactions run as credit) 
    • The next deposit into your account will be used to pay the amount of the overdraft. This repayment needs to occur within 15 days of the overdraft to keep ChecProtect active.
    • Choose to add or remove ChecProtect from your account anytime.

    Anyone who qualifies for Truliant's Truly Free, Advantage or Senior Advantage checking accounts or who has qualified for a Preferred Line of Credit is eligible for our ChecProtect Overdraft Protection. 

    Preferred Lines of Credit Deliver Protection and Flexibility

    • Provides automatic overdraft payment on checking accounts with a low, variable rate based on your loan limit amount
    • No maintenance fees or other fees when you use this unsecured loan to cover an overdraft
    • Open a line of credit between $500 and $35,000 to obtain the flexibility you need
    • Enjoy a low monthly payment (2% of your balance with a $50 minimum)

    To qualify for a Preferred Line of Credit, we ask that you meet these criteria:

    • Demonstrate good credit history (all loans are subject to credit approval)
    • Meet additional requirements that may apply based on underwriter specifications

    Ready to Apply?

    When you’re striving to reach your goals, Truliant can help you achieve them as your financial partner. If you have a Basic, Advantage or Senior Advantage checking account with us, contact us to turn on ChecProtect and get the peace of mind you need. Or, we are happy to help you in person at one of our many Member Financial Centers in North CarolinaSouth Carolina and Virginia. Truliant is committed to providing the products and services members need to strengthen their finances and improve their lives.

  • What are the standard overdraft practices that are offered with my account?

    Truliant will first attempt to draft from your savings account for a $2 fee. If the funds in your savings account are unavailable, Truliant offers ChecProtect to cover your overdrawn checking account.

    • Debit card transactions when you sign for your purchase (or when you do NOT use a PIN)
    • Paper checks
    • Automatic drafts (ACH transactions)

    Truliant pays 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 Truliant pays my overdraft?
    Under our standard overdraft practices (our ChecProtect service):

    • We will charge you a fee of $29 each time we pay an overdraft.
    • There is no limit on the total fees we can charge you for overdrawing your account.

    What types of transactions are covered with ChecProtect?

    ChecProtect will only pay overdrafts for the following types of transactions, after you have given us permission to do so:

    • Non-pin based debit card transactions
    • Paper checks
    • Automatic drafts or ACH transaction

    How do I sign up for ChecProtect?

    • To add ChecProtect, simply call 800.822.0382. Please have your checking account number ready. You may also complete the form by clicking on the yellow button at the top of this page, printing the form out and bringing the completed form to any Truliant location. You may also send it by mail to: Truliant Federal Credit Union, Attn: Deposit Administration, P.O. Box 26000, Winston-Salem, NC 27114-6000.