, thank you for your account at Leominster Credit Union. This letter serves as confirmation of your decision to revoke or decline Leominster Credit Union’s Extended Overdraft Coverage for everyday debit card and ATM transactions occurring on your account ending in ().

What this means for you:

  • If your ATM or debit card point-of-sale transaction is greater than the available balance in your account, your card will likely be declined. However, if you do happen to exceed your available balance, the transaction will be considered an unauthorized overdraft and your debit card will be suspended. It is your responsibility to keep track of your account balance.
  • We will not authorize ATM or everyday debit card transactions if there are insufficient funds in your account unless you have given us your consent to pay overdrafts for these transactions; however under payment system rules, we may be obligated to pay some unauthorized debit card transactions.
  • We will continue to pay overdraft transactions occurring by check or electronic payment at our discretion.
  • You have the ability to change your decision at any time. To reinstate Extended Overdraft Coverage for your ATM and everyday debit card transactions, please call us at 800-649-4646, visit our website at www.leominstercu.com, come by a branch, email us at ODPadmin@leominstercu.com, or mail us a letter to LCU Operations, 20 Adams Street, Leominster, MA 01453

We appreciate your decision and your communication with us, and we’re proud to be your financial partner. Thank you for thinking carefully about your banking and spending habits.

If you have any questions about LCU’s Extended Overdraft Coverage for ATM or everyday debit card transactions, you may contact us at 800-649-4646.

Request ID: 75840258-1376-464d-9e52-9f4c25222036