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Stop paying for overdraft services

Other banks will charge you an average of $29.80¹ in fees for each overdrawn transaction. At Amplify, we believe the best way to help our community succeed is not to pile on fees. That's why overdraft prevention and overdraft protection with Rebound will always cost you $0.

See our list of $0 fees

What Happens When You Overdraft?

Picture this: you are right in the middle of paying for lunch with your debit card when you remember that your paycheck is still in a pile of mail waiting to be deposited. So what happens now? Let's break down the three stages of Amplify's overdraft programs. And remember: no matter what happens to this transaction, Amplify will never charge you an overdraft or NSF fee.

  • Overdraft Prevention

    First, Amplify tries to prevent the overdraft from happening. When a transaction would cause a member account to go negative, Amplify will immediately try to apply funds from your connected savings account or personal line of credit.

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  • Overdraft Protection

    If no funds are available and you are eligible for our overdraft protection program, Amplify will, at our discretion, attempt to cover the charge on your behalf. You'll have 14 business days to bring your account back to a positive balance.

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  • Transaction Declined

    Finally, in the rare case where no funds can be applied and you are not eligible for overdraft protection, the transaction will be declined. No fees will be charged to your account.

Overdraft FAQs

We've pulled together a list of some of the most common questions our members have about overdraft protection at Amplify. Don't see your question on the list? Contact our team at and someone will get back to you within 1-2 business days.

  • How do I qualify for overdraft prevention?

  • How do I qualify for overdraft protection?

  • What transactions are eligible for overdraft protection?

  • Are business banking accounts eligible?

Learn more about fee-free banking

With $0 in service fees, overdraft fees, wire transfer fees, and many more, Amplify Credit Union is leading the charge for fee-free banking in Texas.

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¹"Survey: Bank overdraft fees tumble to 13-year low while ATM fees are back on the rise," BankRate (August 31, 2022)