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Overdraft Assistance

Overdraft assistance covers you when you accidentally overdraw your checking account. Instead of automatically rejecting the transaction,* SMCU may post the transaction and draw the account negative up to $1,000**. Restrictions and fees do apply. Click here for a complete description of this valuable service. Visit our fee schedule for a list of fees, or call our Contact Center at (206) 398-5500 or (800) 334-2489.


* Transactions include clearing checks, ATM withdrawals, debit card withdrawals, clearing ACH debits and over-the-counter withdrawals.

** With applicable fees your negative balance may be greater than $1000.00.