Overdrafts happen, but with overdraft protection you’ll be ready to handle them.

We've got your back if you overdraw your checking account.

At Ventura County Credit Union, we're not interested in charging hefty fees or holding up your payments.

To keep your finances flowing, we offer a selection of overdraft protection options, giving you the flexibility to pick the ones that are right for you!

AdvantageLine Loan

An AdvantageLine Loan can be linked to any of your savings, checking or other accounts to cover overdrafts. As a personal line of credit, the loan only accrues interest on the amount you owe.

Savings to Checking Automatic Overdraft Protection

If you overdraw your checking account, we can automatically transfer money from your savings account to cover the balance. This automatic service requires a small fee, but you can avoid it by making the transfer manually before completing your transaction. To transfer funds, simply call Telephone Teller, speak with a VCCU representative during business hours, visit an ATM, or log into your mobile or online account.

Preventing Overdrafts

Financial planning and careful money management can help you avoid overdrafts. As a VCCU member, you get free access to a variety of educational resources through BALANCE that can help you take control of your finances and keep your accounts balanced.

VCCU is a full-service, Southern California credit union with branches in Ventura, Port Hueneme, Oxnard, RiverPark, Camarillo, Thousand Oaks, Simi Valley and Moorpark. If you live, work or attend school in Ventura or Santa Barbara Counties, you are eligible to join



I became a member right as I turned 18 years old. It was a family tradition to open up an account at VCCU and one tradition I am happy to pass down.

Jasmine R., Oxnard