ATM CONSTRUCTION NOTICE: Our ATM located in the Shops at King George Parking Lot on Kings Hwy near Rt. 206 will be under construction from 5/13 - 5/27. Find a surcharge free ATM near you here.

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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

$7.50 fee per transfer

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

$7.50 fee + interest

Overdraft Protection Line of Credit1, 2

$7.50 fee + interest

Overdraft Privilege

$32 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: