Thanks for visiting. Looking for help? Would you like to chat with one of our Agents? Click here.

Routing Number 262277189





Life happens! Alabama ONE Credit Union understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.


Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:



Overdraft Protection Link to Another Deposit Account you have at Alabama ONE Credit Union1

$5 fee per transfer

Line of Credit – Overdraft Protection1, 2

Subject to fees + interest

Convenience Pay

$35 Convenience Pay Fee per item.


Call us at (205)759-1595, email us at, or come by a branch to sign up or apply for these services; 2Subject to credit approval.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or line of credit you may have at Alabama ONE Credit Union for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Convenience Pay allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Convenience Pay is still available as secondary coverage if the other protection source is exhausted.

Transactions Covered with Convenience Pay

Standard Coverage
(No action required)

Extended Coverage (Your consent required on consumer accounts) *





ACH - Automatic Debits



Recurring Debit Card Payments



Online Bill Pay Items



Internet Banking Transfers



Telephone Banking



Teller Window Transactions



ATM Withdrawals



Everyday Debit Card Transactions




*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Convenience Pay coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

You can discontinue the Convenience Pay in its entirety by contacting us at (205)759-1595, option #6, or sending us an e-mail at

What Else You Should Know

  • A link to another account or a line of credit may be a less expensive option than an overdraft. A single larger overdraft will result in just one fee, as opposed to multiple smaller overdrafts. Good account management is the best way to avoid overdrafts.  Use our mobile banking, Internet banking, and telephone banking services to keep track of your balance. For additional financial education resources, please visit


  • The $35 Convenience Pay Fee is the same fee amount that is charged if a check is returned as unpaid. If multiple items overdraw your account on the same day, each item will be assessed an appropriate Convenience Pay Fee or a Return Fee of $35. All fees and charges will be included as part of the Convenience Pay limit amount. Your account may become overdrawn in excess of the Convenience Pay limit amount as a result of a fee.


  • There is no limit on the total Convenience Pay Fees per day we will charge.


  • This describes the posting order for purposes of determining overdrafts. Our general policy is to post items throughout the day and to post credits before debits. Paper checks are posted in from lowest to highest dollar amount, while ATM, ACH and debit card transactions are posted in the order in which the items are received. However, because of the many ways we allow you to access your account, the posting order of individual items may differ from these general policies. Holds on funds (described below) and the order in which transactions are posted may impact the total amount of Convenience Pay Fees or Return Fees assessed.


  • Although underpayment system rules, Alabama ONE Credit Union may be obligated to pay some unauthorized debit card transactions, Alabama ONE Credit Union will not authorize debit card or ATM transactions unless there are available funds (including Overdraft Coverage Options) to cover the transactions and any fee(s).


  • Giving us your consent to pay everyday debit card and ATM overdrafts on your consumer account may result in you incurring Convenience Pay Fees for transactions that we would otherwise be required to pay without assessing a Convenience Pay Fee. However, this would allow us to authorize transactions up to the amount of your Convenience Pay limit and may also help you avoid overdrafts in excess of your available balance that could result in suspension of your debit card. 


  • Alabama ONE Credit Union authorizes and pays transactions using the available balance in your account. Alabama ONE Credit Union may place a hold on deposited funds in accordance with our Master Account Agreement, which will reduce the amount in your available balance.  The available balance for checks, ACH items, and recurring debit card transactions is comprised of the ledger balance, less any holds on deposited funds and any debit card holds, plus the amount of the Convenience Pay limit and any available overdraft protection. The available balance for ATM and everyday debit card transactions on accounts with Standard Coverage is the ledger balance, less any holds on deposited funds and any debit card holds, plus any available overdraft protection, but does NOT include the Convenience Pay Limit. For accounts with Extended Coverage, the Convenience Pay Limit is included in the available balance for authorizing ATM and everyday debit card transactions.


  • Please be aware that the Convenience Pay amount is not included in your available balance provided through online banking, mobile banking or Alabama ONE Credit Union’s ATMs.


  • Alabama ONE Credit Union will place a hold on your account for any authorized debit card transaction until the transaction settles (usually within two business days) or as permitted by payment system rules.  In some cases, the hold may exceed the amount of the transaction.  When the hold ends, the funds will be added to the available balance in your account.  If your account is overdrawn after the held funds are added to the available balance and the transaction is posted to the available balance, and Convenience Pay Fee may be assessed.


  • Except as described in this disclosure, Alabama ONE Credit Union will not pay items if your account does not contain available funds (including the Convenience Pay limit) to cover the item(s) and the amount of any fee(s).


  • Alabama ONE Credit Union may suspend your debit card if you incur overdrafts in excess of the available balance in your account, including any Convenience Pay limit (as described in this disclosure). Debit cards on your account will remain suspended until you make sufficient deposits so that your available balance, taking into account any Convenience Pay limit, is positive and then you contact us.


  • Alabama ONE Credit Union may also suspend your debit card if your account is overdrawn more than thirty-two (32) consecutive calendar days. Debit cards on your account will remain suspended until you make sufficient deposits so that your account balance is positive.


  • Alabama ONE Credit Union may also suspend your debit card if we are unable to contact you due to an incorrect mailing address or phone number(s). You must contact us with your correct mailing address and/or phone number(s) to have your debit card reinstated.


  • If your debit card is suspended, you will be unable to use your debit card for purchases or to access your account at the ATM, and if you use your debit card for recurring payments, e.g., utilities, you are responsible to make other arrangements for your recurring debit payment(s).


  • Convenience Pay limits of up to $500 are available for eligible Personal Checking accounts opened at least 90 days in good standing and up to $700 for eligible Business Checking accounts opened at least 90 days in good standing.


  • Convenience Pay is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.


  • Convenience Pay may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) days for a minimum of one business day. You must bring your account balance positive for at least one business day to have Convenience Pay reinstated.


  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Master Account Agreement. The total (negative) balance, including all fees and charges, is due and payable upon demand. 

If you have any questions about Overdraft Protection or Convenience Pay, please call us at (205)759-1595, option #6, or visit a branch.

What if I want Alabama ONE Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below, call (205)759-1595 option #6, or email us at You can revoke your authorization for Alabama ONE Credit Union to pay these overdrafts at any time by any of the above methods.  Your revocation must include both your name and your account number so that we can properly identify your account.