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Avoid the Embarrassment and Cost of Bounced Checks
If your Checking balance is too low, we’ll auto-transfer from your Savings Account to cover withdrawals, debit card charges or checks. You get three free Overdraft Protection transfers if funds are available in Savings.
Checking Courtesy Pay
Our discretionary Checking Courtesy Pay covers checks, ACH, and recurring debit purchases up to $400 for a $35.00 fee per item. This helps you avoid merchant fees. You must bring your account to a positive balance within 30 days of receiving a notice.
ATM/Debit Card Courtesy Overdraft Privilege
To extend coverage to ATM and one-time debit transactions, you must opt-in.
Opting in provides a safety net for errors or cash shortages. We may then approve these transactions up to your $400 limit for our standard $35 NSF fee, preventing declines at checkout.