Long time lurker question about NFCU overaft and not sure what to do with it

[akaveani]

I just goot abbrove for $500 in overdraft protection FCU. The probloem I fast is I howuld to astablish a relationship with FCU but not sure how to begin the process. MYFICO prows do you tink my overdaftproctinon will get my my foot in the door. This wi\ould be a dream go true. . HOW CANN i GROW IF POSSIBLE. ThAnk you for your time And patience., a A DATA point I have several medical bil after the deaath of my soon. the collateraol damage stil linkersl. Again that you for your time and for listening. 

Debra 

[fltireguy]

Can you please explain what you are trying to say?
Which FCU are you referring to - Navy ?

[Anonymous]

I'll have to come back and read this after a cup of coffee.

[CreditInspired]

I'm going to take a stab at this. It sounds as if you have a NFCU checking account with a $500 overdraft protection and want to know how it works. NFCU has two overdraft accounts. The first one -- let's say you have $225 in your checking account and write a check for $300. You will be automatically advanced $75 to cover the check. The $75 is an advance, which is treated as a loan with interest and is known as a checking line of credit (CLOC). The second one another type of NFCU overdraft protection. It is called an OOPS account. This one will advance you up to $500 but must be paid back within 30 days and is extremely expensive to use because it charges $20 every time you use it.

Hope this helps. And in order for more MyFICOers to help you, just proof what you type before posting.

Good luck.