Isn't your Credit Union open on Saturday mornings?

I would RUN, not walk, to see them ASAP!
Unless you belong to a very generous Credit Union, most of them charge a
very hefty Penalty if you account is overdrawn!

And to make it worse, if the Penalty results in an overdraft, they charge
another Penalty - and it keeps dragging you balance lower and lower.

Ask if they will temporarily freeze your account until you can make a couple of deposits.