Overdraft Services

It's a fast-paced world and everyone makes mistakes. That's why we have tools available to protect you in case you overdraw on your account.

Our Overdraft Privilege is a safety net that can prevent denied purchases at the gas pump, and checkout lane, as well as ATM withdrawals. Get what you need, when you need it—hassle free.

  • Automatic coverage of insufficient funds
  • No fees unless service is used
  • Low $15 per item fee when used
  • Prevents embarrassment of declined purchases
  • Can be less costly than merchant return fees
  • Cash Reserve option available
Cash Reserve

An alternative method is our Cash Reserve Overdraft Protection. Essentially, this creates an open standing loan that is only accessed if you overdraw on your account.

Simply fill out the quick application. If approved, your Cash Reserve Loan is ready. If your checking account becomes overdrawn, we automatically advance the needed funds from your Cash Reserve. Interest is only charged if a balance remains. You either pay back the loan or your account is debited for minimum payments each month.