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Routing # 211885946

Overdraft Protection Options

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Merit Privilege Pay

Pioneer Valley Credit Union offers Merit Privilege Pay* to automatically cover overdrafts from ATM withdrawals and debit/check card transactions up to $1,000.00. There is a $29.00 fee for each overdraft item. Swipe your debit card worry free!

Members must Opt In to receive coverage on ATM and debit card transactions with Merit Privilege Pay**. If you do not Opt In to receive Merit Privilege Pay, we will not be able to cover mishaps which may occur at the store, gas station, ATM or anywhere else you may swipe your MasterCard Debit Card. Merit Privilege Pay can be set up to be activated only once all other means of Overdraft Protection has been exhausted upon request. 

Contact Us today to Opt In to receive Merit Privilege Pay!

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Overdraft Line of Credit

Overdraft Line of Credit** automatically funds your Checking Account to help you avoid costly overdraft charges. We will cover you up to $3,500 to avoid a bounced check or a debit card transaction declined. 

The Overdraft Line of Credit is a loan you must apply and qualify for based on credit worthiness which funds your Checking Account as needed.

Click "Apply Now" below. Select "This is a Line of Credit".

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Automatic Transfer

Your Checking Account can be set up to automatically transfer funds from your Primary Savings Account to your Checking Account in the event there is not enough money to cover a transaction. The cost for this service is $5.00 for each transfer. There is no charge for this service if you do not use it. 

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Eagle Line of Credit

The Pioneer Valley Credit Union Eagle Line of Credit can get you the cash that you need, when you need it, at your convenience.

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*You will be charged our normal insufficient fund fee of $29 for each item that is presented, and you must bring your account to a positive balance within 45 days. Merit Privilege Pay will be deactivated for overdrawn balances and the time period by which the member must repay or cover any overdraft is 45 consecutive days unpaid. We will not pay overdrafts on your ATM and everyday debit card transactions unless you ask us. If you do not ask us, the transaction will not be paid. Categories of transactions for which a fee for paying an overdraft may be imposed include ATM withdrawals and debit/check transactions up to $1,000.

Your Merit Privilege Pay may be suspended or permanently removed based on the following criteria: You do not bring your account to a positive balance within 45 days of becoming overdrawn. You have an account that has been opened less than 90 days. Your account type is not eligible. You are more than 30 days past due on any Credit Union loan or delinquent on any other obligation to the Credit Union. You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding. You have had an Overdraft Repayment Plan. Your account is being reviewed for fraudulent activity or transactions. The primary account owner is less than 18 years old. A ChexSystems or any other negative indicator has been reported to us. Your account is classified as inactive. You have an unresolved prior loss with the Credit Union. We do not have a valid address for you. Your account is not a fiduciary account.


**There is no charge for this service if you do not use it.