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Overdraft Privilege

An overdraft occurs when you do not have enough money in your account to cover a transaction but we pay it anyway.

We offer two different ways to cover your overdrafts:

We have standard overdraft practices that come with your account
We also offer overdraft protection plans, such as links to savings account and lines of credit (loans). These may be less expensive than our standard overdraft practices. Ask us for more information on these plans.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you authorize us to:

ATM transactions
Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authroize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if Town & Country Federal Credit Union pays my overdraft?

Under our standard overdraft practices:

We will charge you a fee of up to $30 each time we pay an overdraft
There is no limit per day on the total fees we can charge you for overdrawing your account

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you may complete the form below.

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Request URL: /newsletters/page/2/
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Query: SELECT * FROM tcfcu_users WHERE ID = '1' LIMIT 1
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Query: SHOW FULL COLUMNS FROM `tcfcu_options`
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Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (10,12,687,689,691,693,695,4439,697,699,701,703,705,707,709,711,713,715,719,69,73,71,75,14,20,21,24,27,29,35,77,79,81,83,85,115,117,119,121,123,125,127,87,99,7,101,103,107,111,109,113,89,93,95,97) ORDER BY meta_id ASC
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Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='track_types' AND `module_id`=2
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Query: SELECT t.term_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE tt.taxonomy IN ('newsdates') AND tt.parent = '0' ORDER BY t.term_order ASC
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Query: SELECT tcfcu_posts.* FROM tcfcu_posts LEFT JOIN tcfcu_term_relationships ON (tcfcu_posts.ID = tcfcu_term_relationships.object_id) WHERE 1=1 AND ( tcfcu_term_relationships.term_taxonomy_id IN (146) ) AND tcfcu_posts.post_type = 'nav_menu_item' AND ((tcfcu_posts.post_status = 'publish')) GROUP BY tcfcu_posts.ID ORDER BY tcfcu_posts.menu_order ASC
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Query: SELECT tcfcu_posts.* FROM tcfcu_posts LEFT JOIN tcfcu_term_relationships ON (tcfcu_posts.ID = tcfcu_term_relationships.object_id) WHERE 1=1 AND ( tcfcu_term_relationships.term_taxonomy_id IN (145) ) AND tcfcu_posts.post_type = 'nav_menu_item' AND ((tcfcu_posts.post_status = 'publish')) GROUP BY tcfcu_posts.ID ORDER BY tcfcu_posts.menu_order ASC
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Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='integrations_settings' AND `module_id`=4
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Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='mailchimp_provider_settings' AND `module_id`=4
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Query: SELECT t.*, tt.* FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE t.term_id IN (203,204,206,207,208,202,200,201,178,170,169,173,174)
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Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='track_types' AND `module_id`=4
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Query: SELECT DISTINCT t.term_id, tr.object_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id INNER JOIN tcfcu_term_relationships AS tr ON tr.term_taxonomy_id = tt.term_taxonomy_id WHERE tt.taxonomy IN ('nav_menu') AND tr.object_id IN (527, 528, 529, 530, 2677) ORDER BY t.name ASC
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Query: SELECT * FROM tcfcu_asl_configs WHERE `key` NOT IN ('server_key', 'notify_email') AND `type` NOT IN ('label', 'priv');
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Query: SELECT DISTINCT t.term_id, tr.object_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id INNER JOIN tcfcu_term_relationships AS tr ON tr.term_taxonomy_id = tt.term_taxonomy_id WHERE tt.taxonomy IN ('nav_menu') AND tr.object_id IN (532, 2675, 2676, 535, 2668, 2669) ORDER BY t.name ASC
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Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (3163) ORDER BY meta_id ASC
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Query: SELECT DISTINCT t.term_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id INNER JOIN tcfcu_term_relationships AS tr ON tr.term_taxonomy_id = tt.term_taxonomy_id WHERE tt.taxonomy IN ('wpcode_type') AND tr.object_id IN (3913) ORDER BY t.name ASC
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Query: SELECT t.*, tt.* FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE t.term_id IN (171,172)
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Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='content' AND `module_id`=2
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Query: SELECT * FROM tcfcu_posts WHERE ID = 3913 LIMIT 1
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Query: SELECT t.*, tt.* FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE t.term_id = 131
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Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='visibility' AND `module_id`=2
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Query: SELECT tcfcu_posts.* FROM tcfcu_posts WHERE ID IN (3239,3242,3244,3237,3248,3240,3234,3232,3230,3227)
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Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (105,135,131) ORDER BY meta_id ASC
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Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (2222) ORDER BY meta_id ASC
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Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='local_list_provider_settings' AND `module_id`=4
Time: 1.096 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='mailchimp_provider_settings' AND `module_id`=4
Time: 1.077 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='schedule_flags' AND `module_id`=9
Time: 1.073 ms

Query: SELECT * FROM tcfcu_widgetkit WHERE id = "79"
Time: 1.068 ms

Query: SELECT tcfcu_posts.* FROM tcfcu_posts WHERE 1=1 AND tcfcu_posts.post_parent = 2944 AND tcfcu_posts.post_type = 'acf-field' AND ((tcfcu_posts.post_status = 'publish' OR tcfcu_posts.post_status = 'trash')) ORDER BY tcfcu_posts.menu_order ASC, tcfcu_posts.menu_order ASC
Time: 1.062 ms

Query: SELECT tcfcu_posts.* FROM tcfcu_posts WHERE ID IN (2103,2065,3)
Time: 1.058 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='mailchimp_provider_settings' AND `module_id`=4
Time: 1.056 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 2708 LIMIT 1
Time: 1.051 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_debugtoconsole' LIMIT 1
Time: 1.047 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='track_types' AND `module_id`=6
Time: 1.046 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='visibility' AND `module_id`=9
Time: 1.043 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='display' AND `module_id`=6
Time: 1.030 ms

Query: SELECT t.*, tt.* FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE t.term_id = 144
Time: 1.027 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (2708) ORDER BY meta_id ASC
Time: 1.025 ms

Query: SELECT * FROM tcfcu_hustle_modules WHERE module_id = 2
Time: 1.011 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'hustle_provider_local_list_settings' LIMIT 1
Time: 1.010 ms

Query: SELECT * FROM tcfcu_asl_configs WHERE `key` = 'tran_lbl';
Time: 0.997 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='settings' AND `module_id`=4
Time: 0.986 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 2222 LIMIT 1
Time: 0.981 ms

Query: SELECT term_id, meta_key, meta_value FROM tcfcu_termmeta WHERE term_id IN (172,171,203,204,206,207,208,202,200,201,170,169) ORDER BY meta_id ASC
Time: 0.980 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='track_types' AND `module_id`=9
Time: 0.979 ms

Query: SELECT tcfcu_posts.* FROM tcfcu_posts WHERE ID IN (105,135,131)
Time: 0.971 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='visibility' AND `module_id`=4
Time: 0.959 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 3239 AND source_type = 'media-library'
Time: 0.958 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='content' AND `module_id`=6
Time: 0.949 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4824) ORDER BY meta_id ASC
Time: 0.946 ms

Query: SELECT `meta_value` FROM tcfcu_hustle_modules_meta WHERE `meta_key`='content' AND `module_id`=9
Time: 0.942 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'hustle_custom_palettes' LIMIT 1
Time: 0.941 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4727) ORDER BY meta_id ASC
Time: 0.938 ms

Query: SELECT t.*, tt.* FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE t.term_id = 146
Time: 0.928 ms

Query: SELECT * FROM tcfcu_hustle_modules WHERE module_id = 9
Time: 0.919 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_activate_custom_content' LIMIT 1
Time: 0.912 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 4534 AND source_type = 'media-library'
Time: 0.909 ms

Query: SELECT t.*, tt.* FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE t.term_id = 145
Time: 0.907 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4326) ORDER BY meta_id ASC
Time: 0.903 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 4965 AND source_type = 'media-library'
Time: 0.886 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 4727 AND source_type = 'media-library'
Time: 0.880 ms

Query: SELECT id, name, ordr FROM tcfcu_asl_brands WHERE lang = '' ORDER BY name ASC
Time: 0.878 ms

Query: SELECT `key`,`value` FROM tcfcu_asl_configs WHERE `key` = 'api_key' OR `key` = 'map_language' OR `key` = 'map_region' OR `key` = 'advanced_marker' ORDER BY id ASC;
Time: 0.869 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4965) ORDER BY meta_id ASC
Time: 0.867 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4430) ORDER BY meta_id ASC
Time: 0.860 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 3859 LIMIT 1
Time: 0.859 ms

Query: SELECT t.term_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE tt.term_taxonomy_id IN (144) LIMIT 1
Time: 0.852 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 3221 AND source_type = 'media-library'
Time: 0.850 ms

Query: SELECT m.`module_id` FROM tcfcu_hustle_modules AS m WHERE 1 AND m.`active`= 1 ORDER BY m.`module_id` DESC
Time: 0.845 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (3221) ORDER BY meta_id ASC
Time: 0.839 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (3220) ORDER BY meta_id ASC
Time: 0.837 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 4727 LIMIT 1
Time: 0.835 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'forminator_module_enable_load_ajax' LIMIT 1
Time: 0.826 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 4326 LIMIT 1
Time: 0.821 ms

Query: SELECT t.*, tt.* FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE t.term_id IN (195)
Time: 0.814 ms

Query: SELECT * FROM tcfcu_asl_settings WHERE `type` = 'additional_attributes'
Time: 0.812 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4664) ORDER BY meta_id ASC
Time: 0.808 ms

Query: SELECT t.term_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE tt.term_taxonomy_id IN (131) LIMIT 1
Time: 0.807 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 3221 LIMIT 1
Time: 0.802 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 2222 AND source_type = 'media-library'
Time: 0.794 ms

Query: SELECT * FROM tcfcu_hustle_modules WHERE module_id = 6
Time: 0.783 ms

Query: SELECT `key`, `value` FROM tcfcu_asl_configs WHERE `type` = 'label'
Time: 0.778 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 4534 LIMIT 1
Time: 0.776 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4429) ORDER BY meta_id ASC
Time: 0.767 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (4587) ORDER BY meta_id ASC
Time: 0.766 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 4824 AND source_type = 'media-library'
Time: 0.761 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 3220 LIMIT 1
Time: 0.759 ms

Query: SELECT t.term_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE tt.term_taxonomy_id IN (145) LIMIT 1
Time: 0.757 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 4430 LIMIT 1
Time: 0.755 ms

Query: SELECT post_id, meta_key, meta_value FROM tcfcu_postmeta WHERE post_id IN (3859) ORDER BY meta_id ASC
Time: 0.754 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 4430 AND source_type = 'media-library'
Time: 0.753 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 4587 AND source_type = 'media-library'
Time: 0.748 ms

Query: SELECT module_type FROM `tcfcu_hustle_modules` WHERE `module_id`=2
Time: 0.743 ms

Query: SELECT * FROM tcfcu_as3cf_items WHERE source_id = 4429 AND source_type = 'media-library'
Time: 0.742 ms

Query: SELECT t.term_id FROM tcfcu_terms AS t INNER JOIN tcfcu_term_taxonomy AS tt ON t.term_id = tt.term_id WHERE tt.term_taxonomy_id IN (146) LIMIT 1
Time: 0.738 ms

Query: SELECT `id`,`category_name` as name, `icon`, `ordr` FROM tcfcu_asl_categories WHERE lang = '' ORDER BY category_name ASC
Time: 0.730 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'forminator_module_use_donotcachepage' LIMIT 1
Time: 0.725 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 4587 LIMIT 1
Time: 0.724 ms

Query: SELECT * FROM tcfcu_posts WHERE ID = 4664 LIMIT 1
Time: 0.716 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'https_migration_required' LIMIT 1
Time: 0.709 ms

Query: SELECT module_type FROM `tcfcu_hustle_modules` WHERE `module_id`=6
Time: 0.707 ms

Query: SELECT * FROM tcfcu_asl_settings WHERE `type` = 'additional_attributes'
Time: 0.706 ms

Query: SELECT id, name, ordr FROM tcfcu_asl_specials WHERE lang = '' ORDER BY name ASC
Time: 0.688 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'site_logo' LIMIT 1
Time: 0.675 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'hustle_hub_cache_timeout' LIMIT 1
Time: 0.670 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_jquery_form_selector_field' LIMIT 1
Time: 0.652 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_enable_notifier_for_forms' LIMIT 1
Time: 0.647 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_enable_progressbar' LIMIT 1
Time: 0.636 ms

Query: SELECT FOUND_ROWS()
Time: 0.616 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_apply_to_all_offsite_forms' LIMIT 1
Time: 0.600 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_timeout_seconds' LIMIT 1
Time: 0.591 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_timeout_text_continue' LIMIT 1
Time: 0.586 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_continue_or_cancel' LIMIT 1
Time: 0.576 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_timeout_text_cancel' LIMIT 1
Time: 0.566 ms

Query: SELECT option_value FROM tcfcu_options WHERE option_name = 'exitbox_timeout_statement' LIMIT 1
Time: 0.550 ms

Total Queries: 164
Total Time: 233.207 ms