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With our busy lives, it’s easy to make mistakes such as forgetting to deposit a check or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

Pelican may have the solution you’re looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you accidentally overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege.

Pelican will not pay overdrafts for everyday debit card transactions unless you have given your consent by extending coverage to the payment of these overdrafts. Click here for more information.

Want to learn more about overdrafts? Check out our post on Pelican State of Mind!


Covers overdrafts caused by:

  • Checks
  • ACH ­Automatic Debits
  • Recurring Debit Card Payments
  • Online Bill Pay Items

Please click here for more information about extending your Overdraft Privilege coverage.


Covers overdrafts caused by:

  • Checks
  • ACH -­ Automatic Debits
  • Recurring Debit Card Payments
  • Online Bill Pay Items
  • Everyday Debit Card Transactions*


  • Link to Another Deposit Account you have at Pelican State Credit Union1 (Cost: $5.00 fee per transfer)
  • Link to a Cash Advance on your Pelican State Credit Union credit card1, 2, 3 (Cost: Interest)
  • Overdraft Protection Line of Credit1, 2 (Cost: Interest)

Effective Thursday, November 1, 2018, your Overdraft Privilege limit is subject to change based on your ongoing deposit and loan activity with Pelican. Please see the table below for our Overdraft Privilege limits.

Account Type Without Monthly Deposits Regular Monthly Deposit* Monthly Direct Deposit & Net Deposit of $1,500**
Business Basic Checking $1,000 $1,000 $1,000
Horizon Checking $300 $300 $300
Preferred Checking $200 $500 $1,000
Kasasa Cash $200 $500 $1,000
Kasasa Cash/Saver $200 $500 $1,000
Kasasa Cash Back $200 $500 $1,000
Kasasa Cash Back/Saver $200 $500 $1,000

Net Deposit Calculation Example:              

Monthly ACH Deposits                   + $1,550
Cash/Check Deposits                      + $475
Pelican State CU Auto Loan            - $450
Net Deposit Amount                        $1,575

**To qualify for the $1,000 limit, there must be a direct deposit and a total of $1,500 in net deposits every 35 calendar days. Pelican State Credit Union will factor in ACH deposits, cash or check deposits at a Pelican branch or shared branch location, and mobile deposits. Pelican State Credit Union loan obligations will be deducted from this total. If your net deposit amount remains at $1,500 or above, you will qualify for the $1,000 limit.

Are Overdraft Fees Getting You Down?

Reconciling your monthly bank statement against your check register as often as possible can help you prevent overdraft fees!

To reconcile your check register with your bank statement balance:

  1. Record all deposits and withdrawals.
  2. Subtract any checks that have been written.
  3. Subtract any service fees.
  4. If your account earns dividends, add the dividends to your checkbook register.
  5. Subtract all debit card transactions as soon as they occur.

When you're finished, the balance on your bank statement and in your checkbook register should be the same.

Easy access to account information can also help prevent overdraft fees. Pelican has several ways to access your Pelican account on the go:

  • [email protected] - Access your account from your computer at any time with [email protected]!
  • Mobile Banking - Access your account on the go with Text Banking or our free smartphone app for iPhone and Android, PelicanMobile.
  • Online Banking with MyBranch - We have an online branch to assist you, wherever you are. Pelican representatives are available to chat with you through our website during business hours—click the pink "CHAT NOW" icon on desktop or mobile to get started!
  • Pelican Teller - Call 1­-800­-351-­4877 to access your account 24 hours a day, seven days a week through our automated phone system. No computer or smartphone needed!

Need help managing your account?

Pelican has you covered with Nationally Certified Credit Counselors ready to assist you!