Skip to main content
Online Banking

Enroll Now | Forgot Password

Overdraft Protection Line of Credit

Apply for an Overdraft Line of Credit Online

With an overdraft protection loan funds are advanced to a credit union checking account to cover items when funds are not sufficient in the account.

  • Maximum of $500
  • $25 annual fee assessed February 1 of each year
  • Funds automatically advanced in $50.00 increments
  • $50 monthly payment due the last day of the month (when you carry a balance or your current balance if less than $50)
  • No limits on how many times it will transfer


Conveniently apply online! Please be prepared to provide proof of income (i.e. your last two pay stubs, most recent W-2 or a statement from your financial institution showing two or more regular direct deposits). Proof of income can be emailed to NIU employees (only) are welcome to fill out the NIU's income verification form.

Loan processing takes approximately 24-48 hours to respond to a request. We make every effort to determine how we can help your financial well-being. In the instance we are not able to offer the loan requested, we will sometimes counteroffer a product or service we feel would help you.

Apply Today