Overdraft Protection

Don't pay big fees when you make a small mistake.
  • Choose from several protection options
  • Avoid bounced check charges
  • Link your checking and savings accounts
  • Arrange for a line of credit 

To err is human. To forgive is the way we do business.

At some banks and credit unions, overdrawing your account can result in bounced checks and hefty charges. We understand that emergencies and miscalculations happen. That's why we offer a range of options that help you set things right without costing you a lot of money. 

Transfer from Savings

A quick, easy fix for those times when your balance is zero

  • Log in to Digital Banking to transfer money from your savings account when your checking balance falls below zero
  • It's quick and easy to move money between accounts
  • Plus, there is no fee for transferring funds between accounts

Overdraft Line of Credit

It's a lot like having a credit card linked to your account

  • No fees for transfers, but you pay interest on line of credit balances
  • No interest will be charged if balances are paid off the same day as transfers occur
  • Request to have funds moved to your checking account whenever your balance runs low

Privilege Pay

For a small fee, temporarily allow your balance to go below zero

  • Prevent your checking account from going negative when automatic withdrawals (one-time or recurring) are taken out of your checking account 
  • Your checking account is automatically enrolled in Privilege Pay (must have a monthly direct deposit of at least $200)
  • Opt in to Privilege Pay for debit card purchases when you have a monthly direct deposit of at least $200 going into your checking account
  • There's a $32 fee for each Privilege Pay transaction, with a maximum daily charge of $224
  • You must repay the money we advanced in a reasonable amount of time (no more than 25-30 days)
  • Privilege Pay is a courtesy that we extend to you, offered at our discretion
  • There is a limit to how much Privilege Pay will cover
  • If you choose not to use overdraft protection, your transaction will be declined if you do not have sufficient funds in your checking account
  • View Terms and Conditions for Privilege Pay

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