Person handing a debit or credit card back to a consumer

Overdraft Protection

Protection from overdraft charges and returned NSF items!

Available for each of your checking accounts.

Overdraft protection is a loan attached to your checking account that protects you from overdraft charges and returned NSF items. Rather than returning your overdrawn items unpaid, we will consider the payment of your reasonable overdrafts up to your Overdraft Protection limit. Although we charge interest on your balance, you will avoid those high returned check charges from merchants and retailers. Plus, you can avoid the embarrassment of a returned check.
  • Funds can be accessed through checks presented for payment, ATM withdrawals, purchases made with your debit card and when you withdraw cash at any of our banking centers.
  • Available for each of your checking accounts.
  • Revolving line of credit available as long as your checking account is open and in good standing.
  • No origination fee.
  • Monthly payment is based 5% of the principal balance or $25 whichever is greater.
  • Automatic monthly payments required.
  • Transfers are made in $100 increments.
  • Combined statement billing.
Available only on Personal Accounts. Subject to credit approval. Certain restrictions may apply.