SOC Program

Your checking account (please use the attached OPT-IN form for debit cards) has been authorized for our SOC (short on cash) Overdraft Privilege program, which allows the credit union to pay an item presented for payment against your account, even in the event the account should become overdrawn. The SOC program then allows you up to thirty days to bring the account current.

While SOC is not an invitation to overdraw your account, it is an additional level of service should you inadvertently present items for greater than the balance in your account or if there has been an inadvertent error.

Please call us today for further details, copy of disclosure, and SOC opt-in form!

	Important Information Concerning Online Account Access

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1004 Memorial Drive | Saint Johnsbury, Vermont 05819
Phone: 802.748.2288 | Toll Free: 800.856.0026
240 Dells Road | Littleton, New Hampshire 03561
Phone: 603.444.9964 | Toll Free: 800.370.6455
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Your savings federally insured to $250,000 National Credit Union Administration, a U.S. Government Agency

SOC Program

If you are seeking a Vermont credit union or a New Hampshire credit union or even a St. Johnsbury credit union, we can help.