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Debit Card Overdraft Protection

Bellco's Overdraft Protection

Bellco offers debit card overdraft coverage to give you peace of mind and help you avoid a declined transaction. With Bellco Debit Card Overdraft Protection, Bellco may approve everyday debit card transactions for you when you don't have sufficient funds in your account to complete your purchase.

You will need to provide your consent to add Bellco Debit Card Overdraft Protection coverage to your account.

Here are the three simple ways you can add the overdraft protection feature to your account:

  • Online – Log into Online Banking at, click on your checking account and follow the directions.
  • In a branch – Visit your nearest Bellco location to sign-up.
  • Mail – Complete the Overdraft Services Opt-in Form and mail it back to Bellco at Bellco Credit Union, P.O. Box 2068, Glen Burnie, MD 21060-2068. 

Important details to note about Bellco's Debit Card Coverage

We will charge a fee of up to $31 each time we pay an overdraft created by check, everyday debit card transactions, other transactions made using your checking account number and automatic bill payments.

Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 14 days.