Customize the level of overdraft protection for each of your SEFCU checking accounts. SEFCU offers three different options as part of our overdraft services. Transfer from savings – ($2.50 fee applies per transfer) covers checks and ACH debit transactions. Personal Line of Credit – Qualified members can take advantage of a Personal Line of Credit that will cover overdrafts up to your approved limit. Premium Overdraft – When you opt in SEFCU will attempt to pay not only your check and ACH debit transactions, but also your one-time debit card and ATM transactions in the event of insufficient funds.