this post was submitted on 23 Oct 2023
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My credit union simply declines debit card transactions if they're over the available balance. I'm kind of stunned to learn this apparently isn't common, to the point people feel they need to outright avoid using debit cards?
For other transactions that may overdraw (automatic withdrawals, ACH, etc) we have the option to pull from savings. If the overdraft is under $10 or so, they don't charge anything. If they do charge the $35 dollar overdraft fee, you can call and they'll waive it when you deposit the overdrafted amount (within a reasonable amount of time).
I've been with my credit union since mom helped open my account when I was a teenager. I'm so frequently flabbergasted to hear about some of the things people put up with from their banks.