Overdraft Services

Overdraft Privilege

Payments are paid even when your checking balance is insufficient.

  • Saves time and money by preventing returned payments
  • Up to $1,000 overdraft tolerance
  • Up to 30 days to bring your balance positive
  • $35 fee per transaction over $5 (limit 5 fees/day)

Overdraft Privilege is enabled automatically. The amount of overdraft tolerance is based on your credit score. Please contact us if you wish to opt-out of this service.

Overdraft Protection

Connect a Line of Credit to your checking account for more flexibility and less cost to you.

  • Credit line as low as $200
  • Longer repayment options
  • Automatic transfers with no transfer or overdraft fee
  • Daily interest much less than overdraft fees

Courtesy Pay Opt-in

  • Enables Visa debit card purchases and ATM withdrawals to be authorized using the overdraft tolerance in your checking account
  • Overdraft Privilege fee based on available balance at time of posting
  • Update your Courtesy Pay opt-in status in digital banking:  More menu > Overdraft Protection > Courtesy Pay.