Overdraft Line of Credit

Overdraft Line of Credit

Our Overdraft Line of Credit is a line attached to your First Fed checking account for overdraft protection which can be used as a "rainy day" financial tool. If you run out of money in your attached checking account, the line of credit can cover expenses so that you avoid bouncing checks, missing payments, or having your debit card denied.

All account holders on the linked checking account must also be on the line of credit. Access fees and interest may apply. Any line payments are automatically deducted from the same First Fed account that is being covered by the line. If you are interested in details about overdraft practices, download our Overdraft Disclosure PDF.


Apply Online

Steps to apply online

  1. First enter your zip code
  2. Click “Yes” for “Would you like a Line of Credit?”
  3. Click “Yes” for “Will this line of credit be used as overdraft protection?”
  4. Click “Overdraft Protection” for select a purpose
  5. Line Amount: Enter how much funding you would like the line to have available, for use only as needed.
  6. Follow the remaining instructions to provide personal information, contact information, address, etc.
  7. You can add a co-applicant, whoever is on the checking account being covered by the Overdraft Line of Credit.


Questions? Call us at 800-800-1577 or contact us for follow up. Our team is happy to help!