Overdraft Transfer Service

Greater Kinston Credit Union offers an overdraft transfer service, whereby available funds are transferred from existing GKCU accounts to help prevent your checking account from incurring NSF fees or becoming overdrawn. You may select a GKCU checking, share, money market, Visa® secured credit card, or open-end personal loan as a protecting account for automatic transfers in the event funds are not available in your checking account to pay items.

  • You may select up to two protecting accounts
  • Overdraft transfers are made from protecting accounts in $50 increments
  • Overdraft transfers from a Visa secured credit card or an open-end personal loan are completed only up to the available credit limit1. Overdraft transfers from a Visa secured credit card or open-end personal loans are subject to the terms of the applicable credit agreements.

You may request for overdraft transfer service for an existing checking account via Connect GKCU.

1 For open-end signature loans, 100% of the unused line of credit plus $200. A $0.50 fee will be accessed to the protected checking account per overdraft transfer.