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Do it on your own, or with our help

When you overdraw your account, you can end up with hefty charges, bounced checks and plenty of embarrassment. Emergencies and miscalculations happen. We get it. So we offer various overdraft protection options that are affordable and help you set things right.

Transfers from Savings

When you overdraw your checking account, we first look to cover the transaction with one of your CommonWealth One savings accounts. If you have enough in savings, the transfer happens automatically and there's no charge for the service.


Another option is to apply for our ONELine overdraft line of credit, which automatically kicks in to cover shortfalls. Keep in mind, this option requires a loan application subject to our approval.

Courtesy Pay

If neither savings nor ONELine are available, we may cover your overdraft through Courtesy Pay. This service is $30 per transaction. You can enroll in this service if your account is in good standing. Courtesy Pay* covers checks, Bill Pay payments and ACH payments; however, you must voluntarily opt-in to Courtesy Pay for coverage for everyday debit card transactions, recurring debit card transactions and ATM withdrawals.

Here's how to opt-in to Courtesy Pay:

When opening a new checking account, simply submit your request for Courtesy Pay online using our DocuSign form or download the PDF of our Courtesy Pay Overdraft Protection Form and return it to a CommonWealth One branch near you.

CommonWealth One Federal Credit Union is a full-service credit union with branches in Virginia and Washington, D.C.


* In order to qualify for Courtesy Pay, your account must be open for at least thirty (30) days and be in good standing. You must be at least 18 years of age, and we must have a valid physical address on file. You cannot be in default on any loan or other obligation to CommonWealth One and cannot be subject to any legal, administrative order, or levy. If your account qualifies for Courtesy Pay, your account must be brought to a positive balance within a thirty (30) day period or you may be removed from the program.

Courtesy Pay eligibility will continue to be at the discretion of CommonWealth One and can be revoked at any time. If you exceed the Courtesy Pay limit, non-sufficient fund fees will be charged to your account accordingly. Certain restrictions apply. Please contact a Member Service Representative for a copy of our policy or more details on this service.

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