Our Another Chance program helps you avoid having items returned for non-sufficient funds (NSF). To participate in the program, your Checking account must be enrolled in Overdraft Transfer Service. When sufficient funds are not available in your Checking account and your protecting accounts, Another Chance provides you an additional opportunity to prevent items from being returned.
How Another Chance Works
Registering for Another Chance is easy! Sign up via Connect GKCU to help prevent returned items and NSF fees.
- Register for Another Chance alerts1
- Receive a notification for another chance to pay your items
- Make a deposit or transfer funds to avoid an NSF2
Receiving Another Chance Alert Notifications
Another Chance notifications are sent when your Checking and protecting accounts do not have sufficient available funds to pay an item. Notifications are delivered via text message to your registered mobile device or via secure message to your Message Center at a time you select. When registering for the alert, select a notification time early enough in the day to allow you to make a branch deposit or transfer funds by close of business (5:00 pm Eastern Standard Time [EST]).
Making a Deposit or Transfer
To pay Another Chance items, you must deposit2 or transfer funds to your Checking account no later than 5:00 pm EST on the day specified in your Another Chance alert notification.
- Deposit cash or checks3, 4 at any branch location
- Deposit cash at any CashPoints® ATM4
- Transfer funds from another GKCU account through any of our service channels (in-person, phone, online)
If your deposit or transfer occurs after 5:00 pm EST, your item will be returned, and you will incur an NSF fee.
1 To register for Another Chance Alert, you must be enrolled in Overdraft Transfer Service.
2 Funds must be deposited to the Checking account indicated in the alert. Funds deposited to a protecting account are not available to cover Another Chance items.
3 Funds subject to a hold are not immediately available to cover Another Chance items. See our Account Rules and Regulations for more information about our funds availability policy.
4 Funds from checks deposited through an ATM or our Mobile App are not available to cover Another Chance items.