Overdraft Privilege Service

Although our goal is to encourage financial responsibility, we realize unanticipated expenses or unforeseen problems happen, which can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. Additionally, if you don’t have sufficient funds in your checking account, a debit card transaction will not be approved, which can be very frustrating when you’re standing at a gas pump. That’s why we offer Overdraft Privilege.


Overdraft Privilege offers peace of mind for your checking account. Overdraft Privilege is a discretionary service that protects you (up to an automatically assigned limit) when there is insufficient money in your checking account to cover the following transactions:


  • Traditional paper-based checks
  • Teller withdrawals
  • Automatic payment (ACH) transactions
  • Recurring debit card payments


In order to have your everyday debit card transactions covered by this service, it is necessary to “opt in”. To authorize us to pay overdrafts on everyday debit card transactions, call Member Contact at 1-888-533-7537 or speak with a Keesler Federal branch employee.


Please click here for more information on this service.