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Courtesy Pay and Overdrafts

What You Need to Know about Overdrafts and Courtesy Pay:

An overdraft occurs when you do not have enough money in your account to cover a transaction that would otherwise be returned unpaid. Bridgeton Onized FCU can help you get your items paid in 1 of 2 ways:


  1. Overdraft Protection: Your share accounts are linked together so if you have available funds in another account, they can be pulled to cover the deficit.

  2. Courtesy Pay: The credit union will advance funds to cover the deficit. You will be responsible for repaying this advance.

Both programs are only extended to owners in good standing. Violation of account agreement(s) can result in revocation of access.   Should you have any question as to whether you are eligible, please at 856-692-4000.

You are given the option to enroll at account opening. If at any point you would like to change your enrollment status, you will need to contact us to submit the request.

Click here to view our fee schedule and disclosures.

Local Office

524 North Pearl Street

Bridgeton, NJ 08302


Phone: 856-692-4000

Routing Number: 231277518

NMLS #: 412490

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Credit Union

This Credit Union is insured by the National Credit Union Association.
We do business in accordance with the Federal Fai Houing Law and Equal Credit Opportunity Act.