Overdraft Alternatives

• Regularly check your account balance and account activity using Digital Banking (online or mobile; mobile carrier fees may apply), at one of our branches or using your physical account register.
  
• If you made any deposits recently that includes checks, always keep in mind that deposits are subject to verification and may not be available for immediate withdrawal.
  
• Remember to consider any pending items such as pre-authorized ACH debits not yet posted to your account or checks you've written that have not reached the bank yet.

Linking your checking account to a secondary checking, savings, or money market account is another convenient way to protect yourself from overdrawing.

How does it work?

When a debit or check transaction presents against your account in an amount that would cause an overdraft or returned item, we transfer funds from your linked account in $100 increments sufficient to cover the items (subject to funds availability in the linked account). You should also know:

• Only one account may be linked to each checking account for Overdraft Protection Transfers.
• Suppose the balance in the linked account is insufficient to cover the items. In that case, all available funds will be transferred, and you will be charged overdraft fees or returned item fees, as applicable, for any remaining items that cannot be covered by the transfer.
• Linking a secondary checking account for overdraft protection transfers could result in overdrafts or returned items in the secondary account.
• Certain account types have transaction limitations. Please talk with a bank representative to determine whether transaction limitations apply.