The choice is yours. Compare overdraft coverage options.
Optional Transaction Coverage
As a member, we've got your back. Eliminate the surprise of an unexpected checking account transaction decline with our Overdraft coverage options. Choose the Overdraft coverage that meets your needs, including Overdraft Privilege (standard or extended), Overdraft Transfer, and a Credit Reserve line of credit.
These programs not only cover you in the moment but also prevent the potential of merchant fees from returned checks or declined transactions. Get the peace of mind knowing your transactions will be processed as intended. Learn more about your options below!
Multiple Coverage Options
OVERDRAFT PRIVILEGE
We provide the upfront funds to cover the overdraft transaction.
Cost: ODP Fee per occurrence -
$25 for consumers
$35 for business
|
Standard Coverage Includes
|
 Checks |
| ACH Transactions |
| Recurring Debits |
|
Extended Coverage Also Includes
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ATM Withdrawals* |
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Everyday Debit Purchases* |
* Opt in/out through online banking, form fill, in-branch, or by phone
Overdraft Transfer
Automatically transfers funds to your checking account from your savings account to protect against overdrafts.
Cost: No Charge
| Relies on share fund availability |
| Checks |
| ACH Transactions |
| Recurring Debits |
|
|
|
ATM Withdrawals |
|
Everyday Debit Purchases |
* Opt in/out in-branch or by phone
Credit Reserve
Automatically transfers funds to your checking account from your line of credit to protect against overdrafts.
Cost: Interest Charges
| Subject to credit approval |
| Checks |
| ACH Transactions |
| Recurring Debits |
|
|
|
ATM Withdrawals |
|
Everyday Debit Purchases |
* Apply by submitting a loan application online
Set Your Preferences Today
Set Preferences online
Login or enroll in Online Banking to select Overdraft Privilege as your coverage option, or apply for Credit Reserve by submitting a loan application.
Call or message us
Give us a call or send a secure message to discuss overdraft coverage options or to set your checking account preferences.
Schedule Appointment
Schedule an appointment, to update or select your preferences, at your nearest branch.
Instant Answers
Can I use more than one type of Overdraft Coverage?
Yes. You may use multiple overdraft coverage option. With multiple coverage types, select your primary coverage option by speaking with a member of our team on the phone or in-branch.
Where can I get more information?
For full details, please call us at 1.800.621.0287, visit your nearest branch location or view the Overdraft Coverage Disclosure.
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