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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 when members are at their most vulnerable. That's why our overdraft services are always $0.

See our list of $0 fees

Overdraft prevention vs. protection

If you accidentally overdraft on your account, we want you to have the right tools to manage that transaction, whether that's qualifying for Rebound, drawing on a second account, or rejecting the transaction outright. No fees. No penalties. Just financial services you can use.

  • Overdraft Prevention

    New members can designate a second account to automatically draw from or have overdraft transactions rejected altogether.

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  • Overdraft Protection

    Qualified members can use Rebound, Amplify's overdraft protection program, to have select overdraft transactions covered for up to 14 days.

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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 non-recurring debit card transactions eligible?

  • 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)