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Overdraft Protection Line of Credit

Apply for an Overdraft Line of Credit Online

An overdraft protection loan is the perfect way to help cover check(s), debit card or electronic transactions when you don’t have enough money available in your checking account (avoiding NSF or daily overdrawn fees).

We recently increased this loan limit up to $750. If you currently have an overdraft protection loan for a different amount, re-apply to increase your limit.

  • $500-*$750 loan limit
  • $25 annual fee assessed February 1 of each year
  • Funds automatically advanced in $50 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

*New loan limit


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