You can avoid expensive and embarrassing overdraft fees by applying for an overdraft line of credit. This form of overdraft protection is unique because you only pay for the amount of money you borrow - not the number of items you borrow for. There is no cost unless you use it. You may advance funds yourself via e-Teller or by telephone, or rely on the Credit Union to advance the funds in $100 increments for a small transfer fee. Repayment is the principal plus interest on any balance of which payments may be made monthly.