North Island branches and Contact Center will be closed Monday, October 12, in observance of Columbus Day.
Digital Banking, ATMs, and the Automated Telephone Attendant will continue to be available as usual.

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Overdraft Protection

North Island provides overdraft protection to help you prevent overdraft and unavailable funds/insufficient fees on your personal checking account.
Protect your good credit, avoid the inconvenience and embarrassment of having a transaction declined, and reduce the possibility of additional merchant fees.

Courtesy Pay

With Courtesy Pay, North Island Credit Union may cover your paper checks, bill payments, pre-authorized electronic transactions (ACH), and recurring debit card transactions even if there is not enough available funds in your qualified checking account.
Additionally, ATM and one-time/everyday debit card transactions may be covered if you opt-in to allow us to pay these transactions when you don't have sufficient available funds in your checking account. You may opt-in online, call (800) 848-5654, or visit any North Island Credit Union branch to complete the opt-in form.

Protection Accounts

Share Savings, Money Market and Line of Credit
You may also link your checking account to a savings account, a money market account, or a line of credit to automatically transfer funds and avoid overdraft fees. Enroll in overdraft protection by calling (800) 848-5654, or by bringing this printer friendly form to any North Island Credit Union branch.
See complete list of fees and charges.

North Island also provides other resources to help you manage your checking account:


Balance Alerts

Stay informed with free, timely account alerts sent directly to your email or mobile device:
  • Balance alerts are FREE with your digital banking access.
  • You choose the amount and we’ll send you a message that your account balance is getting low.
  • Be notified of check clearings, paycheck deposits, and other account activity with Transaction Alerts.
  • You're in control –add new alerts, turn off existing alerts, or change your contact preferences at any time.
  • Sign onto Digital Banking to enroll or change your alerts. 

Online Account Transfer1

Easily move funds from one account to another with your digital banking account. Access your North Island accounts from ANY web browser, ANY time of day.

  • Digital Banking is a FREE service available at North Island Credit Union.
  • Make an immediate funds transfer from one of your other accounts to your checking account.

Digital Banking: Sign on or Enroll.

Overdraft FAQ | Find a branch | Call (800) 848-5654, option 0
Terms & Conditions
1The number of transfers from savings and money market accounts is limited to 6 per month. A $10 fee is charged for each transaction over the regulatory limit.
Please see our Consumer Account Agreement & Disclosure Booklet for important overdraft information. Our Courtesy Pay coverage is not a loan. All fees and overdraft (negative balance) are due upon transaction notification.