HALLCO Community Credit Union

Loans and Services available to Residents of Hall, White, Dawson, and Lumpkin Counties

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Why Join A Credit Union?

Gainesville Branch
2601 Limestone Parkway
Gainesville, GA 30501

Oakwood Branch
3560 McEver Road, Suite A
Gainesville, GA 30504

Cleveland Branch
379 E. Kytle Street
Cleveland, GA 30528


Hours of Operation
Mon - Thur 8:00 - 5:00
Friday 8:00 - 6:00
Closed Saturday and Sunday

Loans Savings Services

Overdraft Protection

Life happens! HALLCO Community 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 HALLCO1

$5.00 fee per transfer.

Overdraft Protection Line of Credit1, 2

 Interest applies.

Overdraft Privilege

$32.00 overdraft fee per item.

1Contact us at (770) 534-4255 or come by a branch to sign up or apply for these services; 2Subject to credit approval.


Overdraft Protection services apply to all types of transactions and allow you to link other sources at HALLCO, such as another account or line of credit, to your checking account to pay an overdraft transaction for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.


Overdraft Privilege allows you to overdraw your account for a fee in order to pay a transaction.

Transactions Covered with Overdraft Privilege

Standard Coverage
(No action required)

Extended Coverage

(Your consent required)*




ACH - Auto Debits



Recurring Debit Card Payments



Online Bill Pay Items



Internet Banking Transfers



Telephone Banking



Teller Window Transactions



ATM Withdrawals



Everyday Debit Card Purchases



*If you choose Extended Coverage, all the transaction types listed in Standard Coverage are included, along with ATM withdrawals and everyday debit card transactions. Simply complete and submit the form below for Extended Coverage.


Overdraft Privilege Suspension Overdraft Privilege 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, 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 or if you exceed your overdraft limit.



What You Need to Know about Overdrafts and Overdraft Fees


An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM transactions
  • Everyday debit card transactions

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.

What fees will I be charged if HALLCO Community Credit Union pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $32 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want HALLCO Community Credit Union to authorize and pay overdrafts on my ATM and everyday debit card transactions (Extended Coverage)?

If you also want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and everyday debit card transactions, complete and submit the form below and a member service representative will contact you shortly.

What are we trying to say?

I want HALLCO Community Credit Union to authorize and pay overdrafts for which an Overdraft fee will be assessed on my ATM and everyday debit card transactions. I understand that I have an ongoing right to revoke my consent at any time. How to Opt-Out: Please call HALLCO Community Credit Union at 1-800-849-4255 or 770-534-4255 or stop by one of our branches to revoke your authorization at any time.
Date: Name:
Account No.: Email:
Home Phone:
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