Overdraft Services

Accounts

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Capitol View has a variety of solutions to help prevent and deal with overdrafts.

Account Alerts

Avoid the surprise of overdrafts by setting up customizable account alerts in digital banking. Account alerts are easy to setup and can be configured to notify you by email, text, or both.

Overdraft Transfers

Designate one or multiple accounts to backup your checking account in the event of an overdraft. Complete our overdraft protection authorization form to enroll.

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Credit Card Overdraft Protection

If you have a Capitol View Mastercard you can enroll to have a cash advance made to prevent overdrafts. Complete our overdraft protection authorization form to enroll. Cash advance fees may apply. Learn more about Capitol View credit cards.

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Privilege Pay

Members with direct deposit may qualify for privilege pay, a service that allows overdrafts to a certain level. Contact Capitol View to find out if you are eligible for privilege pay. Overdraft fees may apply. View our rate & fee schedule, here.

Debit Card Overdrafts

Members have the option to allow debit card transactions to overdraft their account if they are enrolled in privilege pay. Overdraft fees may apply. View our rate & fee schedule, here.

To opt-in for debit card overdrafts, complete our debit card overdraft opt-in form.

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Capitol View reserves the right to return any item which will make an account overdrawn, at the credit union’s discretion, based on history or abuse. Accounts overdrawn for more than 30 days may be subject to closure.

To calculate the future value of a one-time, lump-sum investment, enter the dollar amount invested, the interest rate you expect to earn, and the number of years you expect to let the investment grow, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

To calculate the future value of a monthly investment, enter the beginning balance, the monthly dollar amount you plan to deposit, the interest rate you expect to earn, and the number of years you expect to continue making monthly deposits, then click the "Perform Calculation" button.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

Enter the term, rate, and either the payment or loan amount - the other will be calculated for you.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

You've seen all the low rates the auto dealers have been offering if you finance your new vehicle with them, but is this the best deal for you?

If you were to take the rebate, apply it to the cost of the vehicle and borrow the rest of the money from us, chances are your payment would be lower and you would save interest as well.

Fill out the form below using the cost of the vehicle, the total rebate, the dealer's interest rate, Credit Union's interest rate, and the length of the loan. Estimated payments will be calcualted, depending on where you borrow the money.

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The accuracy of this calculator and its applicability to your circumstances is not guaranteed. Results should be discussed with a qualified professional before any product purchases or loan commitments are made.

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