Below is a list of answers to some of our members most frequently asked Overdraft-related questions.

Anyone can enquire or apply for an overdraft with us, you don't have to be a member at the time. You will need to become a member when you take out the overdraft. We are a mutual financial services organisation whose shareholders are its members, and you must be a member before you can take up a product or service with us.

The maximum amount you can borrow is dependent on your ability to meet your repayments.

Interest is calculated daily on the amount of overdraft you are using and charged monthly.

An overdraft is a continuous credit contract which means as you pay it back you can redraw on it up to your agreed limit.

You can arrange to make your loan repayments either by:

Your statements are issued monthly.

Account Balances and Statements are also available through our Mobile Banking App, Internet Banking and Phone Banking services.

We offer two types of Overdrafts: Mortgage secured and Personal unsecured. Security is required on the Mortgage secured type.

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If you have a question of your own that is not covered, then please contact us today.

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