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Routing Number: 271975566

Overdraft Privilege Services

Get the Protection You Want!

Be sure to Opt In* as soon as possible to Overdraft Privilege Service on your checking account for ATM and one-time debit card transactions. If we haven't received your Opt-In request, then your ATM and one-time debit card transactions will be declined if you do not have available funds in your checking account. This means that for any reason - buying lunch, purchasing gas, buying groceries - and you don't have available funds, your transaction will be declined. Get peace of mind and opt in to Overdraft Privilege Service.

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May allow your debit card purchases to be approved when you do not have available funds in your checking account.


Allows you to make a purchase even if you cannot make a deposit or transfer money until a later day.

No Monthly Protection Fee

No cost to have the debit card coverage on your checking account and no fees if you never use it.

Safety Net

Covers you if you have an unexpected expense, such as having to tow your car.

Emergency Back-up

Allows you to use your debit card in case of an emergency, even if you don't have available money in your checking account.

*Certain restrictions apply. Member must be in good standing. Member must be 21 years or older. This applies to checking accounts only. If used, we will charge you a $28.00 fee each time we pay an overdraft.

Financial Foundations

Preventing Overdraft Fees

Learn why overdraft fees occur and how to avoid them.

Prevención de cargos por sobregiro

Conoce por qué se producen los cargos por sobregiro y cómo evitarlos.

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!

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