Overdraft protection

An overdraft occurs when you do not have enough funds in your account to cover a transaction and we cover it anyway.

There is no fee to sign up or use Overdraft from Savings. There is no fee to apply for an Overdraft Line of Credit, but usage is subject to interest charges at a fixed interest rate.

No, only one Overdraft Protection option can be applied to one checking account at a time.

Overdraft Protection is available for all checking accounts except Limited Checking accounts.

Overdraft from Savings and Overdraft Line of Credit cover the same transactions.

Checks, automatic external payments and automatic bill payments like a recurring phone bill are covered under either Overdraft Protection option.

Debit card transactions and ATM withdrawals will be declined if your checking account does not have enough available balance to cover the transaction at time of request.

Yes, a Premium Online Savings account can be linked to multiple checking accounts for Overdraft Protection.

Premium Online Savings is eligible to use for Overdraft Protection. Regular Savings is not eligible. Please note that the savings account must have the same owners as the checking account to be eligible for linking.

The credit limit is $300 - $5000 for Overdraft Line of Credit, based on credit approval.

No, Overdraft Line of Credit can only be linked to one checking account.

There is no fee per transaction, but there is a daily interest charge at a fixed rate.