368 West Broadway     PO Box 95     South Boston, MA 02127
Phone: (617) 269-1450     Fax: (617) 268-1655     E-mail: taupa.boston@verizon.net

What You Nneed to Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:

• We have standard overdraft practices that come with your account.
• We also offer overdraft protection plans, such as a link to a savings account or line of credit, which may be less expensive than our overdraft practices. To learn more ask us about these plans.

This notice explains our standard overdraft practices

1. What are the standard overdraft practices that come with my account?
   We may authorize and pay overdrafts for the following types of transactions:
   • Checks and other transactions made using your checking account number
   • Automatic bill payments
   We may not authorize and pay overdrafts for the following types of transactions unless you ask us to (see question #3 below):
   • ATM transactions
   • Everyday debit card transactions
   We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined
2. What fees will I be charged if Taupa Lithuanian Federal Credit Union pays my overdraft?
   Under our standard overdraft practices:
   • We will charge you a fee per item (check, in-person withdrawal, ATM withdrawal, point-of-sale transaction, or other paper, electronic, or type of transaction or debit whether paid or returned) as follows:
     
     Overdraft Day…………………………………………………………………………………………………… $10 per item
   • We will limit the number of per item fees (check, in-person withdrawal, ATM withdrawal, point-of-sale transaction, or other paper, electronic, or type of transaction or debit whether paid or returned) charged to three items per day.
   • We will not charge on Overdraft/Insufficient Available Funds Fee when your transaction is less than $25.
   • We will not charge an Overdraft/Insufficient Funds Fee when your checking account balance is negative $10 or less.
3. What if I want Taupa Lithuanian Federal Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?
   If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call 617-269-1450 or complete the form below and mail it to:
   
   Taupa Lithuanian Federal Credit Union
   P.O. Box 95
   South Boston, MA 02127
   
   You may at any time revoke your consent to the payment of overdrafts on ATM and everyday debit card transactions on your account by contacting us using any of the methods described above.
   
   Click here to download the Opt In Form.