Checking Protection

Member Protection Plan Offers You Peace of Mind

Have you ever accidentally overdrawn your checking account? 

Put an end to embarrassing moments at checkout. Our Member Protection Plan may cover your checking account overdrafts up to $500 on debit card transactions, checks, bill payments and electronic drafts based on the plan you choose.

  • Enjoy a safety net when your balance is low
  • Save money on returned check fees
  • Pay less on overdrafts*
  • Free coverage on overdrafts of less than $5

To opt into Member Protection Plan:

  1. Login to Online Banking
  2. Click “Forms” at top of page
  3. Complete and submit the Member Protect Plan Options form

You can choose between:

1. Member Protection Plan Limited

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

2. Member Protection Plan Standard

  • Checks and other transactions made using your checking account number
  • Automatic bill payments
  • ATM transactions
  • Everyday debit card transactions


*Member Protection Plan enrollees will pay a reduced fee of $27.00 on overdrafts instead of $32.50 for insufficient funds fee. A fee may be imposed for covering overdrafts created by check, in-person withdrawal, ATM withdrawal, or other electronic means. 

The Member Protection Plan (MPP) is not a line of credit. However, if you overdraw your account, we have the discretion to pay the overdraft subject to the limit of your MPP and the amount of the overdraft fee. Northwest Federal is not obligated to pay any item presented for payment if your account does not contain sufficient available funds. You must repay any overdraft and fee within 30 calendar days. Northwest Federal will not pay overdrafts if you have exceeded your MPP limit or if you are delinquent in repayment.

To determine whether you have enough money in your account to cover a transaction, we use your account’s available balance which is based upon the deposits and withdrawals to your account and all pending electronic transactions, including pre-authorized transfers, point of sale transactions, and merchant payment authorizations, regardless of whether they have posted to your account.

Member Protection Plan disclosure.

Protection Options

Another way to protect your account from overdrafts is by linking your savings, credit card, Money Market Account or Line of Credit loan to your checking account. If your checking account has insufficient funds, we’ll automatically transfer money from these accounts in the order you’ve selected.

Contact our Call Center to enroll: 703-709-8900 (844-709-8900 toll-free).

CardNavSM by CO-OP appWatch this short video about Card Nav

Protect your Northwest Federal debit card with real-time control right from your smartphone with this handy app. Set the terms for when, where and how your debit card is used anytime, anywhere:

  • Turn cards on, off, and back on again in seconds
  • Use GPS to control transactions within a designated location
  • Limit card use to specific merchants or purchases
  • Control spending by setting limits to match your budget
  • Receive real-time, in-app card-use notifications and spending limit alerts

Download the Card Nav℠ app from the App Store℠ or Google Play™ to start using it today! 

CardNav is a service mark of CO-OP Financial Services. App Store is a service mark of Apple Inc. Google Play is a trademark of Google Inc.

What you can do to help prevent fraudulent use of your cards:

  • Sign new cards as soon as you receive them.
  • Memorize your PIN and shield your PIN when entering it at ATMs or retail checkouts.
  • Don’t give out your account number to anyone over the phone unless you initiated the call and you’re dealing with a company you trust.
  • When shopping online, make sure the site is reputable and secure before entering your account number or conducting a transaction.
  • Check your accounts often to make sure there are no unusual transactions.
  • Set up alerts, which help you detect fraud as soon as it happens. Northwest Federal offers the CardNav app to keep tabs on your debit card account.

In case of card fraud

If your card is lost or stolen, or you suspect you’re a victim of fraud, call Northwest Federal immediately at 800-336-3384.

What we’re doing for you

  • We have systems in place to monitor your accounts for unusual activity and will notify you if we detect something suspicious. To ensure that we’re able to reach you quickly, please keep your contact information up to date.
  • We offer eStatements for credit card accounts and regular monthly statements, to help keep personal information out of the mailbox and out of the hands of dumpster divers.
  • We verify identity when members contact us to ensure the security of account information.
  • We offer transaction alerts to help protect credit and debit card accounts from fraudulent activity.
  • We provide Security & Protection resources on our website with news alerts, safety tips, videos, free publications and other online tools to help you take control of your personal information and keep it from being misused.