We understand that even the best laid plans can be turned upside down when life unexpectedly happens. Hopefully, you don't have to worry about your checking account having a negative balance, but when an emergency arises, you don't want to worry about being declined.
What Is It?
An overdraft occurs when the available balance (account balance less any pending transactions or holds) in your account is not sufficient to cover a transaction.
Overdraft Protection is a valuable addition to any checking account. Setting up a draw account links your checking account to one of your other accounts (savings or line of credit, for example). Draw accounts protect you from declined transactions and from a negative balance by pulling needed funds from your other account. Plus, linking accounts is a less expensive option than an overdraft.
Overdraft Privilege is an automatic protection on checks or ACH transactions. For debit/ATM card use, you can opt in and ask us to pay your transactions, even if they cause you to go negative in your account, to prevent transactions from being declined on the spot. If you do not choose to opt in, and don't have any draw accounts set up to cover the charge, the card transaction will be declined.
Pick the protection that works best for you and your accounts.
|Ready Money or HELOC||Subject to interest|
|Another deposit account||$5 per transfer*|
|ATM/Debit card||$28 per overdraft occurrence (each presentment resulting in an overdraft)*|
|Check/ACH||$28 per overdraft occurrence (each presentment resulting in an overdraft)*|
Managing your overdraft protection is simple:
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