Sunbelt offers two types of overdraft protection: Share Overdraft and Overdraft Privilege.

With the Share Overdraft, if you have an item or transaction pending to clear your account, SFCU will pull the amount needed to cover the transaction, if the funds are available, from your savings plus a $5-per-transfer fee.

The Overdraft Privilege works similar to a line of credit. It is attached to your checking account, and if you have an item or transaction pending to clear your account, SFCU will cover that item for you up to your overdraft limit. There is a $30-per-transaction Overdraft Privilege fee. You do go into the negative, and if you are in the negative for more than 15 consecutive days you are assessed a $2-per-day fee. To see if you qualify for the Overdraft Privilege you will need to speak with an Financial Services Representative at your local branch or contact our Account Service Department.

If you have any questions regarding a fee you may have received, please feel free to call our Account Services Department at 601-649-7181 option 2 (7:30am - 6:00pm M-F and 9am - 1pm Sat) or visit the Sunbelt branch of your choice.

Fees are subject to change. For current rates / fees, refer to the most recent Rates Sheet by clicking here.