Quick and easy overdraft

Flexible overdraft


An overdraft from Credit Union Baywide provides you with quick and easy access to cash for when the unexpected occurs.

For car repairs, medical expenses or when you're just a bit short for the week, a simple, easy and fast overdraft from Credit Union Baywide could be just the solution. Apply today and you'll know instantly if you've been approved and have quick access to the funds^.


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  • If you're a customer of Credit Union Baywide you can apply for an overdraft over the phone and have access to the money almost instantly^
  • Extra cash when you need it - your overdraft will have an agreed limit which you can borrow up to, if or when you need it
  • Easy to reduce - unlike traditional overdrafts you can choose to have a reducing limit, meaning you can gradually decrease your limit through regular repayments (minimum repayment $30 per week)
  • Manage your money – a fixed term gives you access to extra funds for a specific term. No minimum repayment is required and the facility is removed on expiry of the term
  • Easy access – your funds are easily accessed with an AccessDebit Mastercard®
  • Maximum overdraft $2,000

^Subject to approval.

Fees apply. Click here to view current rates and fees.

What is an overdraft? 

Designed to help you when you're caught short of funds, an overdraft facility is an unsecured line of credit linked to your everyday account. An overdraft allows you to access extra funds instantly and avoid overdrawn and dishonour fees. The benefits of an overdraft include: only paying interest on the amount overdrawn, 24/7 access via AccessDebit Mastercard®, internet, phone or mobile, you don't have to set a repayment schedule and can choose to have it either reducing or fixed.

At Credit Union Baywide we don’t just focus on how the numbers look on paper, we listen to your story to help you save. Contact our friendly team today.