Redstone overdraft fee
Redstone Federal Credit Union's consumer fee schedule, revised October 1, 2026, prints a $25 overdraft fee when it pays the item and a $25 insufficient funds fee when it returns the item. The February 2026 opt-in says there is no limit on the total. The wider table is US overdraft fees by bank.
Last updated: October 22, 2026
Last checked: Oct 2026
What the October 2026 schedule prints
Opened 22 October 2026. The dollars are on Redstone's consumer fee schedule, revised October 1, 2026. An overdraft fee, for an item paid, is $25 per presentment. An insufficient funds fee, for an item returned unpaid, is $25 per presentment. A chargeback is $25 per presentment. An ACH return fee is $25 per presentment. Footnote 1 says that if the ACH return fee is charged, you are not also charged the insufficient funds fee or the chargeback for that same presentment. Footnote 2 says a returned check can be presented again, and Redstone may charge the insufficient funds fee or the overdraft fee each time.
The overdraft opt-in, revised February 2026, says Redstone will charge up to $25 each time it pays an overdraft, and that there is no limit on the total fees for overdrawing the account. ATM and everyday debit card overdrafts need a separate yes. Checks, ACH, and recurring debit card payments can still be paid without that yes. Not opting in avoids the paid fee on ATM and everyday debit card transactions. Those transactions can be declined. A returned item can still be $25. Asking Redstone to remove a fee already charged is a request. Redstone can say no. The opt-in prints 800-234-1234.
The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Line | What Redstone prints |
|---|---|
| Overdraft fee, item paid | $25 per presentment |
| Insufficient funds fee, item returned | $25 per presentment |
| ACH return fee | $25 per presentment |
| Same presentment as the ACH return fee | No extra NSF or chargeback |
| Total overdraft fees | No limit, on the February 2026 opt-in |
| Out-of-network ATM | $1 per inquiry, transfer, or withdrawal |
Questions
- How much is a Redstone overdraft fee?
- The October 1, 2026 schedule prints $25 per presentment when Redstone pays the item, and $25 per presentment when it returns the item. The February 2026 opt-in says there is no limit on the total.
- Can the same Redstone item be charged twice?
- Footnote 2 says a returned check may be presented again, and Redstone may charge the insufficient funds fee or the overdraft fee each time. An ACH return fee replaces the NSF fee and the chargeback for that same presentment.
- How do I avoid a Redstone debit card overdraft fee?
- Do not opt in for ATM and everyday debit card overdrafts. Redstone can decline those. Checks and ACH can still be paid or returned at $25. A fee already charged is a request. Redstone can say no.
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