Overdraft Protection

Automatic coverage for account shortfalls*

At Scient, we don't believe you should have to pay hefty fees for accidental checking account overdrafts. If something like that happens, we'll automatically move money from your Share Savings or another deposit account to cover the shortfall.

  • You don’t need to do anything—Share Transfer Overdraft Protection is included when you open your Scient checking account and link it to a secondary source of funds.
  • A fee applies for each transfer. Please see fee schedule.
  • Avoid merchant fees for bounced checks or rejected payments.
  • We have other options. Apply for an Executive Reserve Account or learn more about our  Privilege Pay.

Scient FCU is a full-service credit union with branches in Groton, New London and New Haven Connecticut.

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*Please inquire with a Scient representative to see what overdraft protection plan is right for you. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.