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Austin, TX 78708
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Overdraft protection and Privilege Pay from Amplify Credit Union

Just In Case


Configure your protection plan

Overdraft protection and Privilege Pay from Amplify Credit Union

Just In Case


Configure your protection plan

With Amplify Overdraft Protection and Privilege Pay, you have multiple ways of protecting yourself from being declined at the register or incurring fees from merchants. Learn more about these different layers of coverage and configure your protection plan the way you like.


When you have overdraft protection in place, Amplify will automatically transfer funds from another Amplify account to cover the amount of the transaction in situations where your Checking Account does not have sufficient funds.

  • You must designate the Amplify account from which to cover your overdrafts; it must be from an account that you own
  • Overdraft accounts can be Amplify Savings Accounts (S1 or S2) or even additional Amplify Checking Accounts; each transfer costs $5.00
  • An Amplify Personal Line of Credit may also be used as Overdraft Protection; each transfer is free, but interest begins accruing on the date of the transfer2
  • You can also designate secondary and tertiary overdraft accounts in the event your primary overdraft account does not have the required funds
  • If you do not designate an overdraft account, Amplify will automatically use your Savings Account (S1) as your overdraft account

To designate or update your overdraft accounts and overdraft sequence, please visit one of our locations. You can also call us at 512-836-5901 or toll-free at 800-237-5087.

Overdraft Protection automatically transfers money from your savings or line of credit


If Overdraft Protection isn’t an option, or in the event your designated overdraft accounts do not have sufficient funds at the time a transaction occurs, Amplify also offers Privilege Pay to cover debit card transactions, checks written off the account, ACH withdrawals, and/ or Bill Pay debits up to a certain cumulative amount1.

  • Your total Privilege Pay allowance is determined by your account status and history
  • Each Privilege Pay transaction costs $30.00
  • When Privilege Pay is used, your account will go negative; you must bring your account back to a positive balance as soon as possible
  • Your account is automatically enrolled in Privilege Pay for transactions such as checks written, ACH transfers, and Bill Pay transactions. You can opt out by completing and submitting the Privilege Pay Opt Out Form


You have the choice to accept or decline Debit Card Privilege Pay. Federal regulations require you to enroll (“opt in”) if you want to accept Debit Card Privilege Pay. Alternatively, you may opt out of this service at any time.

Opt in or opt out of Debit Card Privilege Pay by clicking the button below to manage your Debit Card Privilege Pay settings. To manage your other Privilege Pay settings,

Privilege Pay prevents you from being declined at the register due to insufficient funds


  |  This notice explains our standard overdraft practices

What Are the Standard Privilege Pay (“Overdraft”) Practices That Come With My Account?

Amplify authorizes Privilege Pay (“overdrafts”) for the following types of transactions:

  • Share drafts (checks written off the account) and other transactions made using your checking account number such as online or telephone payments
  • Automatic bill payments
  • Recurring debit card payments such as gym memberships, TXDot, Netflix, etc.
  • ACH transactions

Amplify will not authorize Privilege Pay (“overdrafts”) for the following transactions unless you opt in to Debit Card Privilege Pay:

  • Everyday debit card transactions (whether used as "debit" or "credit")
  • ATM transactions

Privilege Pay and Debit Card Privilege Pay are discretionary, which means that Amplify does not guarantee that every overdraft transaction will always be authorized. If a Privilege Pay transaction is not authorized, the transaction will be declined.

How Do I Notify Amplify That I Want to Authorize and Pay Overdrafts on My Everyday Debit Card Transactions and ATM Transactions?

Click the "Manage Your Debit Card Privilege Pay Settings" button above and review your Amplify accounts. CHECK the boxes next to the account(s) you wish to OPT IN to Debit Card Privilege Pay. If you want to OPT OUT, simply UN-CHECK the box next to the account(s) you do not want to authorize Debit Card Privilege Pay for.

What Fees Will I Be Charged if Amplify Authorizes a Privilege Pay ("Overdraft") Transaction?

Amplify will charge you a fee of $30 each time an overdraft occurs. If more than 5 overdraft transactions occur in a single day, the fees are limited to $150.



  |  Because your financial success is ours

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1. Amplify uses your available account balance to determine whether sufficient funds are available when transactions attempt to clear your account. Amplify will normally pay overdrafts within the Privilege Pay limit, but payment is a discretionary courtesy and not a right or obligation. If you have more than 5 overdraft transactions in a single day, we will limit the total overdraft fees to $150. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Please refer to our Privilege Pay policy. If you are not interested in Privilege Pay, please choose the account(s) you wish to opt out and submit the Opt-Out form. Forms are in PDF format and require Acrobat Reader to view. If you do not already have Acrobat Reader, you can download it for free. 2. Interest begins to accrue upon advance.

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