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

  • Simply log in to Online Banking to transfer money from your savings account when your checking balance falls below zero
  • No fee for transferring funds
  • Contact us to link your savings account to your checking

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

  • Covers overdrafts from checks you write, and one-time/recurring transactions (such as a monthly gym membership or online subscriptions), and scheduled automatic withdrawals from your checking account (such as utility or insurance payments)
  • Your checking account is automatically enrolled in Privilege Pay as long as it meets certain requirements (a minimum of $200 must be direct deposited into your account, per month in order to qualify for privilege pay)
  • If you are eligible, you may elect to have Privilege Pay cover your everyday debit card purchases (one time debit card purchases). However, you must opt in for this additional coverage
  • There's a $32 fee for each item handled in this manner, with a maximum daily charge of $224
  • You are expected to repay the money we advanced in a reasonable period of time (no more than 25 to 30 days later)
  • 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/check 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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