overdrafts can happen, but we have options to help you avoid them.

Standard Overdraft for Checks and ACH

We will automatically review check and ACH items that would create an overdraft on your account unless you tell us not to. If we authorize and pay a check or ACH item that creates an overdraft, we will charge you an Overdraft Fee. If you opt out of the Standard Overdraft Services for check and ACH items, any check or ACH item that would create an overdraft in your account will be declined or returned unpaid and you will be charged an Insufficient Funds Fee, also known as an NSF Fee. You may also be charged a separate fee by the other party to the transaction (for example, a merchant).

If you would like to change your opt out status for Standard Overdraft Services, please complete this form and return it to Capitol Federal.

Standard Overdraft Services for One-time Non-recurring True Blue® VISA® Debit Card Transactions

You must authorize us to pay one-time non-recurring debit card transactions that would create an overdraft on your account by “opting in” to our Standard Overdraft Services for these transactions. When you “opt in,” you will be charged an Overdraft Fee if your available balance is not sufficient to cover the full amount of an item at the time the transaction posts, regardless of whether your available balance was sufficient to cover the full amount of the item at the time we authorized the transaction. If you do not opt in, the transaction will be declined and we will not charge you a fee.

If you would like to change your opt in status for overdrafts on one-time, non-recurring True Blue® Visa® debit card transactions, please complete this form and return it to Capitol Federal.

Overdraft Protection Plan

You can apply for an Overdraft Protection Plan to protect any checking or money market account from overdrafts. An Overdraft Protection Plan is used to resolve a negative available balance in your account by automatically authorizing a transfer of funds from one or more companion checking, money market, or savings accounts or an Execuline home equity line of credit loan account. If you are approved for an Overdraft Protection Plan, transfers will be made automatically from your companion account(s) to cover overdrafts in your protected account.

If you would like to apply for an Overdraft Protection Plan, please complete the Overdraft Protection Application and return it to your local Capitol Federal® branch. This plan does require registration in person at any Capitol Federal branch and certain restrictions apply. 


For complete details about Capitol Federal’s overdraft services, please see the Disclosure & Agreement for Savings and Transaction Accounts and the fee schedule for your account.