Debit Card Overdraft Protection

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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:

1. Online

Log in to Online Banking at, click on the Overdraft widget in the More menu and follow the directions.

2. In a branch

Visit your nearest Bellco location to sign-up.

3. 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 $28 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. We will not charge a fee if the transaction is less than $25.

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

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transactions. If we do not authorize and pay an overdraft, your transaction will be declined. Bellco typically does not pay overdrafts if your account in not in good standing, you are not making regular deposits, or you have had excessive overdrafts.