If an item is presented against your share draft checking account, and there is not enough in the account to cover it, the credit union will then look at your share savings account. If you have funds available, we will transfer the exact amount needed to pay the item (6 free withdrawals/transfers allowed per month). There is NO FEE for this service – just another benefit of credit union membership. Overdraft protection helps you avoid the cost and embarrassment of a returned check. If you have a Revolving Line of Credit with us, it will also cover any checks presented, up to your available credit limit.