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Effective August 4th: For the health and safety of our members and our employees, we are requiring all members, visitors, and staff to wear face masks inside our branch lobbies.  We have expanded our drive-thru services to accommodate members who cannot wear a face mask. Please call us at 540.663.2181 if you need additional information.
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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.


happy girl with curly hair                    Happy man in red sweater                    Woman smiling and pointing


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: