Overdraft Protection

Overdraft Protection is optional. You must opt in to benefit from this free service. There is a $7.50 Overdraft transfer fee per item once opted in. Cencap’s Overdraft Protection Program honors your overdrafts on your Share Draft Account when you don’t have enough money in your Cencap’s Share Draft Account to cover a transaction, provided you have enough money in your Cencap’s Regular Share Account. To do so, we automatically transfer funds from your Regular Share (savings) or Supplemental Share Account to your Cencap Share Draft Account to cover your overdrafts. Overdraft Protection does not cover ATM transactions.

To become a member, please stop by one of our branches or email us at info@cencap.com.