What is Kinecta's policy on overdrafts?

Kinecta Federal Credit Union typically has an overdraft policy designed to provide members with options when their account balance falls below zero. Generally, this policy may include overdraft protection services that members can enroll in. One common method of protection involves linking a savings account or a line of credit to the checking account, allowing available funds to cover any overdraft at the time of the transaction. If a member does not have overdraft protection, transactions that exceed the available balance may result in a declined transaction or an overdraft fee, depending on the circumstances. It is important to note that overdraft fees may apply, especially for checks, debit card transactions, or automatic payments that cannot be honored due to insufficient funds. Additionally, members can usually access information about their specific overdraft services, associated fees, and options by visiting the official Kinecta website. Checking the current web page could provide tailored information to better understand individual account terms and conditions, ensuring that members are well informed about their financial choices.