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 may charge a fee of up to $28 each time we pay an overdraft created by an everyday debit card transactions. We will not charge a fee if the transaction is less than $25. Also, we will not overdraw your account and charge you a fee for everyday debit card transactions unless you opt-in to Overdraft Services. Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 14 days. Bellco typically does not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have had excessive overdrafts on your account.

Just because we authorize a debit card transaction when you have sufficient funds in your account, does NOT mean you will not incur an overdraft fee. You may incur an overdraft fee if you don’t have sufficient funds in your account when we pay the debit transaction—not when we authorize the debit transaction. While most merchants merely request an authorization at the time you make a debit card purchase, those merchants actually get paid at a later date. It’s on that later date that an overdraft fee may be assessed if you don’t have sufficient funds in your account when we pay the merchant.

For Bellco’s general overdraft policy and information about our Overdraft Protection Plans, please speak to a Bellco representative.