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Bill Pay Downtime: We will be completing system maintenance on October 24th starting at 11:00 pm. Please complete any Bill Pay transactions beforehand. The system will be restored the following morning, October 25th at 5:00 amYour online banking transactions will work properly during this period.

Mobile Deposit Downtime: Mobile deposit will be unavailable from 1-8am on 10/25 due to system maintenance.

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Member Services: Overdraft Options

Remember the check you sent to your niece 3 months ago for her birthday? Well she just cashed it, at the same time your credit card payment processed; all while you were out enjoying a nice dinner…Don’t worry.

Choose the Overdraft Coverage Option that best fits your needs:



Overdraft Protection Link to Another Deposit Account you have at Topside Federal Credit Union1

$5.00 fee per transfer

Overdraft Protection Link to a Cash Advance on your Topside Federal Credit Union credit card1, 2

$5.00 fee + interest

Overdraft Protection Line of Credit1, 2

$5.00 fee + interest

Overdraft Privilege

$31 per item.


1Call us at (540) 663-2181, email us at or come by a branch to sign up or apply for these services; 2subject to credit approval.

For more information please review the following documents: