Overdraft Protection When You Need It

Everyone makes an accounting error every now and then. Protect yourself from costly mistakes and the embarrassment of returned checks with Picatinny’s Overdraft Protection – Reddi Monni.

Reddi-Monni Overdraft Protection is a Line of Credit that automatically covers you in the event of an overdraft. The line is available for your protection, and not activated until you need it.

In addition, PFCU offers overdraft protection from your savings account.  At the time of account opening or anytime after that, you can make arrangements to automatically cover insufficient funds in your checking account with available funds in your savings account.  However, there will be a $10 fee for automatic transfers and Regulation D limits you to a total of  6 account transfers per month.

Overdraft Protection Schedule of Payments

BalanceMaximumTermAPR*Payment

* APR=Annual Percentage Rate. Loan Rates as of 07/01/18. Applicants are subject to credit approval and PFCU underwriting guidelines. Additional terms and conditions may apply. Rates and terms are subject to change at any time. To qualify for membership, you must open a savings account with a minimum deposit of $5.

Not responsible for typographical errors.

Up to and including $100Overdraft Protection up to $3,000Not to exceed 24 Months from last overdraft10.99%$10.00
$100.01 - $500Overdraft Protection up to $3,000Not to exceed 24 Months from last overdraft10.99%$25.00
$500.01 - $1,000Overdraft Protection up to $3,000Not to exceed 24 Months from last overdraft10.99%$50.00
$1,000.01 - $1,500Overdraft Protection up to $3,000Not to exceed 24 Months from last overdraft10.99%$75.00
$1,500.01 - $2,000Overdraft Protection up to $3,000Not to exceed 24 Months from last overdraft10.99%$100.00
$2,000.01 - $2,500Overdraft Protection up to $3,000Not to exceed 24 Months from last overdraft10.99%$125.00
$2,500.01 - $3,000Overdraft Protection up to $3,000Not to exceed 24 Months from last overdraft10.99%$150.00
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