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U1 Internet Banking
Overdraft Privilege PLUS

We've got you covered with Overdraft Privilege Plus (ODP+)
Have you ever had a debit card transaction declined? Give yourself peace of mind by opting in to ODP+!
OPT IN Today using the form below!


ODP+ allows transactions to be processed without the embarrassment or inconvenience of having your card declined when you may be a few dollars short.

Current regulations require all members to opt-in for ODP+.  If you do not opt-in, transactions exceeding your available balance will continue to be declined.  You can opt-out at any time.

U1 may 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.  ODP+ is an enhanced benefit that can be suspended or canceled by U1 at any time.

Opting into ODP+ is FREE.  Fees are assessed on a per-transactions basis when overdrafts occur.  Most financial institutions charge the same fee as normal Overdraft Protection.  Instead, we created our ODP+ fees with our members in mind with different fees based on the transaction amount.  Our tiered rates are as follows:

Transaction Amount Fee
Up to $9.99 $5
$10 - $49.99 $15
Over $50 $30


ODP+ is an added measure of protection for eligible members on ATM & Debit Card transactions.  In the event your account does not have sufficient funds to cover these transactions, you can opt in to authorize U1 to pay these transactions.  Preauthorized, recurring transactions, such as gym memberships, are automatically covered.


Universal 1 Credit Union does not authorize and pay overdrafts for the following types of transactions unless you ask us to: 

• ATM Transactions
• Everyday Debit Card Transactions

You may have the option, on eligible accounts, to sign up for overdraft protection for these types of transactions. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. U1 may 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.

Debit Card Purchase Approved through ODP+


Applicable fees:
U1 will charge you a fee of up to $30 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account.

If you want us to authorize and pay overdrafts on your ATM and everyday debit card transactions you need to contact the credit union to authorize.
You may also cancel overdraft protection at any time with these same contacts.

 • Call 800.543.5000 opt. 0
OR Complete and submit the form below




* * Required Fields
Overdraft Confirmation by Email:
Security Code (What's this?):

Note: Overdraft Privilege PLUS is not available for HSA checking accounts.

Member opt-in is required for use of Overdraft Privilege PLUS. Overdraft Privilege PLUS will be applied to the account after eligibility is confirmed. A fee of up to $30 is assessed for each occurrence and will be deducted from the available overdraft limit. The fee will be assessed for ATM transactions and everyday debit card purchases which overdraft the account. A deposit sufficient to cover the overdraft must be made within 30 days. U1 reserves the right to refuse to pay any overdraft at any time. U1 reserves the right to revoke this privilege at any time.

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