Wakota Federal Credit Union  

Wakota FCU is proud to be Dakota County's member-owned financial alternative!

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about your Wakota Debit Card & Overdraft Service


New federal regulations went into effect on July 1, 2010, that affect ATM withdrawals and debit card purchases as they pertain to your checking account and overdraft protection.

All financial institutions must obtain your approval before allowing payment of your ATM withdrawals and debit card purchases that may overdraft your checking account.

Wakota Federal Credit Union currently provides this service to qualified members as part of our Overdraft Services Program. Members prefer this service to avoid the embarrassment of having their debit card purchase or ATM withdrawal denied.

As a result of this government change, you will need to complete an opt-in form to continue receiving Overdraft Services.

Click here to download an opt-in form (423KB, PDF*).


Why Opt In?

The new regulations are designed to protect consumers from high fees and service charges. In response to these changes, many financial organizations are restructuring their checking account fees. Rest assured that fees have never been a major source of revenue at Wakota FCU.

We provide high-value checking for our members. So spread the word - we're proud to serve your community!


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