The Pacific Advantage Federal Credit Union difference is that they won't charge you overdraft fees. Instead, as a service to its members it will cover the portion that has caused a negative balance. Due to new federal regulations it must obtain your permission prior to the transaction in order to do so. Another advantage of being a member if that if you're out of town, you are able to use a federal credit union such as this one, known as a subsidy of other corporate entities within 25 miles of where you are located. In businees for 48 years, it has been at this location for 12.