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.
- Cash Reserve
Our Cash Reserve Overdraft Protection 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 for a per occurrence fee. Daily interest is only charged on balance outstanding on Cash Reserve account. You either pay back the loan or your account is debited for minimum payments each month.
- ATS (Savings Sweep)
Another alternative is our ATS (Automated Transfer from Savings). This feature will sweep funds from your own savings account to cover your overdrafts in your checking account.
No approval necessary. Simply fill out the quick form to identify the accounts to link for ATS. If your checking account becomes overdrawn, funds will be automatically swept from your savings to cover your overdraft for a per occurrence fee.