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Overdraft Services

We’ve got you covered.

When unpredictable expenses catch up with you, we’ve got you covered. If you write a check or make a withdrawal that exceeds your checking account balance, our overdraft services come to the rescue.

Overdraft Protection

Overdraft Transfer: Set up your savings as an overdraft transfer source for your checking account so funds can automatically move to cover potential overdrafts. Our current overdraft transfer fee is assessed for each transfer.1

Overdraft Line of Credit: Our overdraft line of credit combines the convenience of a fixed rate with the ability to draw against a line of credit. Plus, you only pay interest when you use it.2

Overdraft Privilege

Standard Coverage: Our standard coverage pays your overdraft items including checks, ACH, recurring debit card transactions, bill pay transactions, in-branch transactions, and online and telephone banking transactions up to a fixed amount for a per item fee,1 but costs nothing to have on your account.

Extended Coverage: When you authorize extended coverage on your account, your everyday debit card and ATM overdrafts will be covered up to a fixed amount for a per item fee,1 but costs nothing to have on your account.

Avoid overdrawing your account altogether.

We recommend keeping a close eye on your balances and maintaining funds at a level that supports your spending. Before authorizing payments or writing checks, make sure the funds are available in your account. Lag-time between the transaction date and the money clearing your account is a thing of the past; expect funds to clear on the transaction date. For example, if you pay your cable bill or buy groceries by check in the morning, the funds could clear your account before 5PM the same day.

Take advantage of these services:

  • Online Banking
  • View transaction history
  • Check your balance
  • Keep track of spending
  • Create a budget with Money Management
  • Sign up for email or text alerts3

Mobile Banking

  • Access your account via mobile device with the convenience of an app
  • Enable push notifications to keep track of your balance and activity
  • Get your balance without having to login with quick balance
  • Create a budget with Money Management
  • Sign up for email or text alerts3

Money Management

Enroll within online banking to:

  • See all of your accounts in one place
  • Understand your full financial picture with a comprehensive budget and debt payoff recommendations
  • Set goals such as paying off your car, saving for your child’s education or preparing for retirement

Email or Text Alerts3

Sign up to receive alerts via email or text, for example:

  • Every Friday
  • When your account falls below a certain balance
  • When a payment clears your account
  • When a deposit exceeds a certain balance

1 Available to qualified account holders. Please refer to our Schedule of Fees and Overdraft Privilege disclosures for complete details of fees and conditions.

2 Subject to credit approval and based on credit history.

3 Standard text messaging charges may apply.