Balance Backup
If your account balance is ever too low to cover expenses, we've got your back. And it won't cost you more than $5.
Charging you lots of money for not having lots of money?
Seems odd. Meet $5.00 Balance Backup.
Accidently overspending happens. With Balance Backup1 you never need to worry about the inconvenience of a declined transaction. Here’s how it works:
If a transaction is for an amount more than your current balance, we’ll transfer money from your savings or other account2 to cover the deficit.
Don’t have enough in another account? We’ll draw funds from the credit union to cover automatic payments and checks3. Your account will have a negative balance, but you’ll avoid possible non-payment fees from the merchant.
Without Balance Backup, any transaction more than your balance will be declined.
You won't pay more than $5.00.
Set your preferences any time in the app.
We save our members over $12M per year4
With Balance Backup you avoid the inconvenience of a declined payment or transaction and pay just $5.003. Change your mind? Change your preferences in the app.
Overspent by just a little?
No sweat, you'll be covered up to -$10 with no fees.
Have more questions? Get them answered.
“At UW Credit Union it wasn't just about opening the account. They took the time to ensure I understood everything – like how to make my money grow and avoid overspending – before I left the branch that day.”
– Melanie Ricks5