CheckGuard/Overdraft Protection   A Bounced Check Can Be Costly You know there can be fees when you accidentally write a check against "insufficient funds." First, it can be embarrassing. Second, it can hurt your reputation with the person or company to whom you made the check. And third, you might have to pay a Returned Check charge of $25 or more to the company. All together, it's a hefty price to pay for a mistake.   DFFCU offers members an easier way. With CheckGuard, you're automatically covered in the event you overdraw your checking account up to your approved limit. When that happens the funds necessary to cover the check will be transferred from your overdraft line-of-credit loan into your account, and SNAP, the check is covered!   $25 Bounced Check Charge or $1.25 in Interest? It's easy to see how you can protect your financial image with CheckGuard overdraft protection. It will save you money too.   Example: You overdraw your account by $100, and an "overdraft" loan of that same amount is made to cover your check at a rate of 15% Annual Percentage Rate. If you pay back the loan within one month, you'll owe about $1.25 in interest, a savings to you of $23.75, not including any fees the store or company might charge you!   No Annual Fee There's no annual fee for setting up your CheckGuard overdraft protection. In fact, there is no charge at all until, or unless, you actually access your line-of-credit. So, you've got absolutely nothing to lose -- except, of course, your worries about forgetting to enter a check in the register, or making an error in arithmetic, or overlooking a withdrawal from an ATM.   Sign up for CheckGuard today!