Asset & Account Protections

Asset Protection

Mechanical Repair Coverage

Protect yourself from costly car repairs with Mechanical Repair Coverage (MRC). For vehicles up to 15 years old and under 150,000 miles, MRC helps cover parts and labor for covered breakdowns—plus added benefits for extra peace of mind.

MRC also comes with added features such as:

Key FOB Replacement
24-hour emergency roadside assistance
Paintless dent repair
Travel expense reimbursement of $200 a day
No out-of-pocket expense
Refundable premium

Guaranteed Asset Protection

Don’t let a total loss or theft leave you paying out of pocket. Guaranteed Asset Protection (GAP) helps cover the difference between your vehicle’s insurance payout and the remaining balance on your loan. If your car is totaled or stolen, your insurance may not cover the full amount you still owe — that’s where GAP steps in.

The difference between your loan and your insurance settlement is covered
Pays for up to $500 of your insurance deductible
Purchase at any time during the life of the loan
Provides up to $50,000 of coverage
Reduces the balance of your next loan by $1,000

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Member Review

I have bought MRC for three of my cars, and the process has been awesome each time!

Kim M.

Account Protection

Secure Checking

Our Secure Checking account offers valuable benefits designed with your security in mind.

Visit our Checking Accounts page to explore the full range of features and protections.

Overdraft Protection (ODP)

Fort Bragg Federal Credit Union understands that overdrafts can happen. That’s why we offer overdraft protection options to help cover transactions by automatically transferring funds from another FBFCU account, line of credit, or credit card cash advance. Fees or finance charges may apply.

Explore your options in the table below and click here to authorize FBFCU to pay overdrafts on your ATM and everyday debit card transactions.

Service	Cost
Overdraft Protection link to another deposit account you have at FBFCU¹	$2.00 per transfer
Overdraft Protection Line of Credit^1,2	$2.00 per transfer + interest
Overdraft Protection link to cash advance on your Visa credit card at FBFCU.^1,2	$2.00 per transfer + subject to interest
Overdraft Privilege Standard or Extended Coverage^1,2	$29 Overdraft Privilege Fee per item presented*
¹ Contact us to sign up or apply for these services. ² Subject to credit approval. * Per item presented means each time an item is presented, including representment. Accounts will be assessed with an Overdraft Privilege Fee (Standard or Extended Coverage) for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid by us. The fee is per occurrence, and we limit the number of overdraft fees per business day as follows: for consumer accounts, we will charge no more than four (4) overdraft fees per day. An overdrawn balance must be repaid within 32 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-two (32) day period for a minimum of 24 hours, if you default on any loan or other obligation to us or if your account is subject to any legal or administrative order or levy.