PowerCo Federal Credit UnionPowering Your Financial Success Since 1935
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To register for Online Banking or Online BillPay, call Powerco at (404) 506-3750 or 1-800-633-5217. Please note that passwords are case-sensitive.

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Products and Services

Privilege Pay Protection

  • Additional Line of Overdraft Protection Available on PowerPro Checking Accounts and PowerLink Student Checking Accounts.
  • Member Must Opt-In for PPP Service
  • When Funds Aren't Available in Your Account, PPP Will Pay Checks, ACH and Debit Card Approvals or Postings
  • Avoid the High Charges Imposed by Merchants When Items are Returned
  • Safety Net for Your Checking Account
  • Provides Up to $100 Aggregate Limit for a PowerLink Student Checking Account
  • Provides Up to $500 Aggregate Limit for a PowerPro Checking Account
  • Request Information

Everyone slips up from time-to-time. Save the embarrassment of having purchases declined at the merchant or checks returned due to funds being unavailable in your account. Privilege Pay Protection (PPP) is offered exclusively with your PowerPro Checking Account or PowerLink Student Checking Account.

Privilege Pay Protection is an optional service. Members must choose to Opt-In for this form of overdraft coverage. It provides an additional financial safety net beyond overdraft protectin from your Share Savings Account and/or Prestige Line of Credit (if applicable). Privilege Pay Protection is an additional overdraft program that provides up to a $100 aggregate limit for a PowerLink Student Checking Account or up to $500 aggregate limit for a PowerPro Checking Account. This will allow checks, Automated Clearing House (ACH) and Electronic Fund Transfer (EFT) items to be paid in the event the funds are not available through other overdraft protection plan(s) at the time the item(s) are presented for payment or authorization provided.

This service is subject to approval and available to credit union members who meet the following criteria:

  1. Maintain all accounts in good standings
  2. Have no credit union loan/VISA® more than 30 days delinquent
  3. Pay overdrawn balance at least once every 30 days or less
  4. Have no accounts restricted and
  5. Have not opted out of Privilege Pay Protection.

A Privilege Pay Protection transfer fee of $25 will be assessed for each transaction which exceeds the available balance, even though the actual balance of the account may appear sufficient to cover the transaction. The Credit Union has the right to cancel Privilege Pay Protection anytime and without notice. The Credit Union may in its discretion pay an overdraft item and the Credit Union does not guarantee to always pay or authorize any type of transaction when there is not enough money available in the checking or designated overdraft protection account(s) to cover the item(s). For everyday purchases made by a Powerco Federal Credit Union VISA® Check Card and ATM card, they are included in the Privilege Pay Protection for qualified account holders who opt-in to this service.


This credit union is federally insured by the National Credit Union Administration.

We do business in accordance with the Federal Fair Housing Law and the Equal Credit Opportunity Act. NMLS# 762143

Equal Housing Lender