Overdraft Protection Overview...
We're committed to your financial success and understand that overdrafts can happen to even the most careful of people. Unlike most financial institutions, we've designed our overdraft business practices and services to help you stay in control so that a small account oversight doesn't turn into a costly expense. For your protection and peace of mind, we've created a consumer friendly line-up of overdraft protection options:
The line of credit is the first line of protection when an overdraft occurs. We'll automatically advance enough to cover your account. Interest accrues on the outstanding balance until the loan is paid in full.
Next, we'll check to see whether a transfer from a savings account would prevent the overdraft. If so, we'll automatically transfer the money to cover the overdraft. A $2 fee may be charged to the account receiving the overdraft transfer of funds.
You also have the flexibility to order your overdraft protection accounts to fit your needs. You can view your overdraft protection preferences and can customize them to suit your needs by visiting any of our branches or by calling us.