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 accidently 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.


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

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

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

*If you choose Extended Coverage, everyday debit card transactions will be included with the transactions listed under Standard Coverage.

Other Options
  • 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)

1Call us at 1-800-351-4877 or come by a branch to sign up or apply for these services; 

2subject to credit approval; 

3cash advance rate applies.