Overdraft Protection

We understand that life gets busy. If in between juggling work appointments and day care pickups you’ve find yourself inadvertently overdrawing your checking account or if you worry about not having enough money in your account for an unexpected expense, we’ve got you covered with convenient options for overdraft coverage. 

Consider the following three options to have more control of your life’s unexpected expenses:

Automatic Savings Transfers
Link your checking and savings accounts so if your checking account gets overdrawn, we’ll automatically move money from your savings account to cover it. We’ll do this up to six times per month to keep your accounts in check. Once you’ve hit the maximum of six in one month, the automatic transfers will no longer be made.1

Line of Credit
Apply for a line of credit2 to ensure you always have the money available to spend when you need it. IF you overdraw your checking account, money will advance from your approved line of credit. 
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Overdraft Privilege
Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee on checks, bill pay items and recurring debits.

  • A $30 fee will be assessed for each overdraft
  • Total overdrafts cannot exceed your disclosed amount, including fees
  • Does not require credit approval

Even if you have overdraft coverage, such as a transfer from another account, Overdraft Privilege is still available as secondary coverage if the other overdraft sources are exhausted.

Extended Coverage
With Extended Coverage, this service is available to cover overdrafts caused by ATM and everyday debit card transactions in addition to check, bill pay items and recurring debits.

Non-Sufficient Funds Fees
Effective November 1, 2017
ATM/check card overdrawn fee1
$30 per card transaction that is paid when there are insufficient funds in the account.
Returned ACH fee1
$30 per ACH transaction.
Returned check deposit fee
$15 per deposited check.
Returned check draft fee1
$30 per returned check.

How to Give Consent for Extended Coverage

Use the options below if you’re interested in extending your Overdraft Privilege coverage to include ATM and everyday debit card transactions:

1Automatic transfers from savings accounts are limited by Federal Regulation D
2Overdraft lines of credit are subject to credit approval.