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ANTIGO, Wis.—CoVantage Credit Union is notifying members of a significant third-party data breach after its marketing vendor, Marquis Software Solutions, reported that unauthorized actors accessed files containing sensitive personal information belonging to an estimated 160,000 CoVantage members, according to Claim Depot.

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Credit unions’ overdraft programs are transparent, optional, and designed to serve members’ needs, not to trap them in debt. Unlike the sneaky “gotcha” fees of the past, these programs require members’ affirmative consent and come with clear disclosures. By law, no one is enrolled in overdraft coverage without opting in, and members can opt out at any time.