Section contents: Other Services Overview Payroll Deduction Direct Deposit/EFT Overdraft Protection Automatic Transfers Bill Payment Cashier's Checks Traveler's Cheques Gift Cheques Wire Transfer Account Research Signature Guarantee Teller Checks ------------------- Remote Services Overview External Services Overview Overdraft protection gives you the added peace of mind and confidence knowing your checks will be paid in the event there are insufficient funds in your Share Draft account to cover a check. Overdraft protection will automatically transfer funds from the member's MoneyMaster Line of Credit, savings account, or money market account with no transfer fee. The transfer is documented on the member's monthly statement, and the member can use Call 24 or the_Max! anytime to check account balances.
Eligibility
	Available to all members with funds available in another share account or in a MoneyMaster Line of Credit.
Summary
	Overdraft protection offers a variety of beneficial features: Provides protection from the fees and inconvenience associated with NSF checks. Automatically transfers funds to cover overdrafts from your choice of accounts MoneyMaster line of credit Savings account Money market account Use up to four accounts as overdraft sources Transfer is fee-free; however interest accrues on MoneyMaster Line of Credit on the amounts advanced. Transfers reported on statement. Fund transfer information available anytime on Call-24 or the_Max!
Minimum Requirements
	Available funds in the accounts you choose or the MoneyMaster Line of Credit. Transfers from loans occur in $50 increments and from savings (share) accounts in $200 increments. Regulation D stipulates that there is a maximum of six transfers per month from each savings overdraft source. This includes transfers from your Regular Share or Money Market Accounts using Call 24 and the_Max! eBranch, and pre-authorized transfers. When the maximum of six transfers has been reached in a calendar month, no additional overdraft transfers will be processed from the Regular Share or Money Market Accounts.
How to Start
	Phone the Call Center at 310-808-4000 inside the 213 and 310 area codes or 800-633-2848 (M-F, 7 a.m. - 6 p.m. Pacific) or log onto the_Max! eBranch and find Overdraft Protection in the left navigation menu under the Services tab.
Frequently Asked Questions
	Q: How will I know that a transfer has been taken out of my MoneyMaster Line of Credit? A: Simply check your account by using Call-24 or logging onto the_Max! eBranch, or review your monthly statement.

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