Skip to main content

Online Banking

Routing Number: 271975566

Courtesy Pay Opt In Request

On November 12, 2009, the Federal Reserve finalized changes to Regulation E, which implemented the Electronic Funds Transfer Act that affects Overdrafts caused by ATM and everyday debit card transactions. This regulatory change requires you to notify us whether you want us to pay ATM and every day debit card transactions when you do not have available funds in your checking / share draft account to cover the transaction.

Courtesy Pay Overdraft Service protects your checking account when you don't have available funds in your checking account to cover a retail transaction. We will not authorize overdrafts for ATM and everyday debit card transactions that will cause your account to go negative unless you tell us you want to Opt-In. Please note that you do not need to sign the form to continue Overdraft Services for checks or ACH items.

What you need to know about overdrafts and overdraft fees.

An overdraft occurs when you do not have available funds in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

  • We have standard overdraft practices that come with your account, which in essence, allows your account to go negative due to overdraft occurrences.
  • We may also offer overdraft protection plans, such as a link to a share/savings account. This applies to check writing and ACH automatic electronic debits only, which may be less expensive than our standard overdraft practice. To learn more, contact us about 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:

  • Share drafts/checks and other transactions made using your checking account number
  • ACH automatic electronic transactions

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

  • ATM transactions
  • Everyday debit card transactions (any one-time transaction including a point-of-sale transaction, an on-line transaction, or a telephone transaction)

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize 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 Earthmover Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of $ 28.00 each time we pay an overdraft.
  • There is no limit on the total fees we may charge you for overdrawing your account.

What if I want Earthmover Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please do one of the following:

  • Complete the Courtesy Pay Request form
  • Call 630-844-4950
  • Mail a completed form to:
    Earthmover Credit Union
    PO Box 2937
    Aurora, IL 60507-2937

You have the right to revoke your authorization at any time by contacting us using one of the authorization methods listed above.

Courtesy Pay Opt-in Request

*All Fields are Required

If there are multiple owners on the ATM and/or debit card account, either account owner can act on behalf of all owners on this account.

  • I want Earthmover to:*

    I want Earthmover Credit Union to authorize and pay overdrafts on my ATM, Bill Payment, and everyday debit card transactions. I understand I will be charged a $28.00 fee each time Earthmover Credit Union pays an overdraft as stated above.

    I do not want Earthmover Credit Union to authorize and pay Bill payment, ATM and everyday debit card transactions.

Happy Man and Woman

Why choose Earthmover?

Earthmover Credit Union has been a part of the community for over 60 years. Our philosophy is "People Helping People" and we pride ourselves on helping you earn higher returns on savings accounts while saving you money on loan rates and service fees. As a not-for-profit financial cooperative, we work hard to provide the very best member service in the community. We hope you consider becoming a member and owner of Earthmover Credit Union!

Become a Member

Contact Us