EAST LANSING, Mich.-Michigan State University FCU here has unveiled a program it calls "Balance Shield" that permits members to overdraft their checking accounts by $5 before any fees kick in.

"We have a young membership, and we serve a lot of college students," explained April Clobes, EVP/COO at the 169,000-member, $2.3-billion credit union. "Their typical behavior is maybe not to balance their account every day or know their balance."

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