If you do not have enough funds in your checking, and you have linked shares for Overdraft Transfer Protection, UFCU will pull the money from your linked shares to cover that transaction at no charge to you. If the linked shares do not have sufficient funds to cover the transaction, and you have opted for Courtesy Pay on your account, then UFCU may pay the difference and charge a fee for each new transaction that brings the checking more negative. UFCU does not charge a fee if you overdraw your account less than $5.