Overdraft Services

What is an Overdraft?

An overdraft occurs when an account lacks the funds to cover a transaction, but the financial institution allows the transaction to go through anyway.

Overdraft Options

We offer a few different options to help you manage your account when these situations arise. Some Overdraft Services are free of charge, and some carry a fee. We do not charge a fee when a transaction is declined due to non-sufficient funds.

  • Overdraft Protection Transfer

    Transfers available funds from your linked accounts to cover transactions that exceed the available balance in your checking account.

    Benefits

    • No Fees to Access: Access your linked accounts to automatically transfer funds to cover transactions that exceed the available balance in your checking account.
    • Flexible Options: Choose from multiple account options to protect your checking.
    • Easy to use: Enrollment is quick and easy.

  • Line of Credit (LOC)

    Transfers funds from a line of credit to cover transactions that exceed the available balance in your checking account.

    Benefits

    • No Fees to Access: Access your Overdraft Line of Credit without incurring a fee.
    • Flexible Line Amounts: Overdraft lines of $500 and up, subject to credit approval.
    • Enjoy a fixed interest rate.

  • Courtesy Pay

    As a courtesy, in the event funds are not available in your account, we will pay the transaction for you.

    Benefits

    • Fee assessed only if used service.
    • Opt-in for coverage on checks and ACH or debit card transactions.
    • Easy to use: Enrollment is quick and easy.

Overdraft Protection Transfer

Line of Credit (LOC)

Courtesy Pay

In cases where funds are unavailable in your account, we offer Courtesy Pay to cover your transactions for you. This service safeguards against unexpected emergencies and can help prevent fees from merchants, avoid service interruptions, and spare you from the inconvenience of declined transactions. For checking accounts eligible for Courtesy Pay, this benefit automatically extends to checks, ACH, and recurring transactions. To include debit card transactions under Courtesy Pay, you will need to opt in. This can be done through our new Online Banking, over the phone, or at any branch.