Have you ever made a purchase and then realized you didn’t have enough in your account to cover the purchase? Here are three options to help you should an overdraft ever occur.
Connect your checking account to your Primary Savings account
If your balance drops below zero, funds can be pulled automatically from your Primary Savings to cover the purchase. This can happen up to six times per month, and is a free option available with any of our personal checking accounts.
Apply and qualify for an Overdraft Line of Credit
An Overdraft Line of Credit is a loan that helps protect your checking account from overdraft fees. It kicks in when a transaction overdraws your account. Once an overdraft has occurred, this credit line automatically transfers the funds necessary to cover the transaction in your checking. This option requires a loan application in order to determine eligibility.
Courtesy Pay is a service we offer on consumer checking accounts that covers the cost of transactions when the funds in checking accounts are insufficient. Courtesy Pay goes into effect after all other overdraft options have been exhausted and covers transactions that would otherwise be returned due to non-sufficient funds. Coverage for up to -$500 is activated after an introductory period on all personal checking accounts where the primary account holder is at least 18 years old.
There is no cost to take advantage of this service. If you choose to use this, a fee will be assessed per transaction. Refer to our fees page for more information.
Courtesy pay will not cover debit card transactions unless you choose to opt in. For more information on Courtesy pay and how to opt in, please download and review the Courtesy pay disclosure form.
*Courtsey Pay: Primary account holder must be 18 years of age. Member must be in good standing.
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Member-owned - We’re owned by our members, so our only purpose is to serve you
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