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Welcome to Global Credit Union

advantage pay overdraft protection options


Overdraft Options to Fit Your Needs

You're at the cash register making a purchase.
You swipe your card, but there are not enough funds in your checking account.

So what happens?
Fortunately Global has different options to help!

First: Overdraft Protection

Use funds from one of your other Global accounts

When you sign up for your account, this is automatically a benefit to being a Global member.

First, Global will disburse available funds from one of your other Global accounts that you choose at your account opening. This could include: your other checking accounts, savings accounts, an advance on your credit card, an open line of credit, etc.
These funds are pulled at specific increments depending on account type.   

This service does not have a fee. This benefit will be discussed and added to your account at account opening. If you would like to opt-out, please contact us

Next: Advantage Pay

Global will strive to pay it for a small fee

If there are not funds available in your other accounts, we strive to cover the charge for a $30 fee.
The advantage here is that you can make your payments on time, without being charged by an external business. You can avoid large late fees from your payees by having peace of mind with Advantage Pay.
If you choose to opt-out, a point of purchase sale will simply be denied.
Learn More about Advantage Pay below



Advantage Pay

Advantage Pay

With Advantage Pay overdraft service you never have to worry that a check or automatic withdrawal from your checking account might be returned if you’re low on funds. Funds for overdrafts will come from your Overdraft Protection option first, but if sufficient funds aren’t available, Advantage Pay is here for you!

With Advantage Pay you are covered with:

  • ACH transfers
  • Checking
  • Bill Pay
  • Teller transactions

Advantage Pay for debit cards

By enrolling your debit card, your purchases can be covered even when those minor mistakes happen that leave your checking account short of cash.

Enrolling your debit card covers:

  • Debit card purchases
  • ATM withdrawals


What does Advantage Pay cost? How much time do I have to repay?

There is a $30 overdraft fee for each check or other overdraft item we cover for you. We determine each member’s limit through an automated, dynamic system. There is a daily limit of 6 fees ($180) for personal accounts. We will not pay an overdraft for you in excess of these limits. You have 30 days from your first overdraft to bring your account current.

Can I opt out?

Yes, if you do not want Advantage Pay you must contact us by phone at 509-455-4700, toll-free at 800-676-4562 or by letter at PO BOX 3200, Spokane, WA 99220-3200 to cancel this service.





Become a Member!

Experience the difference of credit union membership. When you join Global you're more than a customer, you're a member and an owner. Your membership gives you access to a suite of products designed with you in mind.

Open an Account Today!

Wondering if you qualify for membership? If you live or work in Washington or North Idaho, you can join! Click here to see all the ways you may be eligible for membership.

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