Overdraft Services

We Keep You Going When Money is Tight

Overdraft Privilege is a checking account service that pays transactions when the account balance is insufficient. It can help you save time, money, and even an embarrassing situation.

Overdraft Protection with our Premier Line of Credit improves upon the Overdraft Privilege service by offering more flexibility and less cost to you.

Covered Transactions

Checks, automatic bill payments, and electronic payments using your checking account number are included with our standard Overdraft Privilege policy, but everyday debit card transactions require opt-in.

To update your Courtesy Pay opt-in status, log in to digital banking and go to the  More menu > Overdraft Protection > Courtesy Pay.

Overdraft Service Comparison

Overdraft Privilege

Avoid the cost of returned payment fees, late fees, and increased rates on credit cards.

  • Up to $1,000 overdraft tolerance
  • Up to 30 days to bring your balance positive
  • One-time $35 fee per transaction over $5
  • Courtesy Pay enables your debit card to participate in Overdraft Privilege – opt-in required

Overdraft Protection

Give yourself peace of mind knowing that overdrafts can be paid without an overdraft fee.

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