Overdraft Coverage

With our busy lives, it's easy to make mistakes such as forgetting to deposit a check, make a transfer, or deduct your last debit charge from your balance. A simple error or balance miscalculation can lead to an unexpected shortage of funds.

Wave Federal Credit Union may have the solution you're looking for with our Overdraft Privilege program. Overdraft Privilege is not a line of credit. However, if you inadvertently overdraw your account, we will have the discretion to pay the overdraft, subject to your Overdraft Privilege. Standard overdraft privilege options covers checks, online bill pay and recurring debit card transactions. Please CLICK HERE for the complete Discretionary Overdraft Privilege Disclosure.

Wave Federal Credit Union will not pay overdrafts for ATM or everyday debit card transactions unless you have given your consent by opting in to the payment of these overdrafts. Please CLICK HERE for more information about opting in to extend your Overdraft Privilege coverage.

We also offer other Overdraft Protection Plans such as:

Savings transfer or link – transfer funds from your savings account with no minimum transfer amount. A $5.00 fee is assessed for each transfer.

Cash Reserve Line of Credit – transfer funds from your cash reserve line of credit. This option requires an application and approval process prior to availability. There is neither minium transfer amount nor transfer fee. Standard repayment practices apply.

Call our helpful Member Service Representatives or Loan Officers for more information on these affordable options.

Wave FCU Main Branch

Address: 480 Greenwich Ave, Warwick, RI 02886

Phone: (401) 781-1020
Fax: (401) 562-1290

Warwick Avenue Branch

Address: 1217 Warwick Ave, Warwick, RI 02888

Phone: (401) 463-9574
Fax: (401) 463-5161

 

MEMBER SUPPORT


If you need additional information or just want to give us feedback, please feel free to contact us.

 

BUSINESS HOURS

MAIN BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

WARWICK AVENUE BRANCH
LOBBY HOURS
Mon-Wed: 9am - 4pm
Thurs-Fri: 9am - 5pm
Saturday: 9am - 12pm

Drive Up Opens
M-F: 8am / Sat: 9am

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