Do you offer overdraft protection?

Question

Parker Graham · Accepted Answer

Yes, there are three ways you can protect yourself from overdrafts.

Link your savings and checking accounts. If you overdraft, we will automatically transfer money from your savings to your checking to cover the balance — for free. You can link your accounts by calling us at 800.845.5025.
Apply for an Overdraft Line of Credit. The credit limit ranges from $300-$1,000 with an interest rate of 18.00% APR^*. To add this protection, apply for an overdraft line of credit online or call us at 800.845.5025.
Privilege Pay overdraft service. This service is automatically added to all checking and money market accounts. With Privilege Pay, at our discretion, we may authorize and pay your check, ACH, and Bill Pay transactions even though they overdraw your account. An "overdraft paid" fee of $4 per occurrence with a max of 2 per day may still apply with Privilege Pay. Overdrawn balances are due within 30 days of use. Privilege Pay does not automatically cover debit card and ATM transactions, but you can request to add this to your coverage by calling us at 800.845.5025 or opting in through Digital Banking.

* APR = Annual Percentage Rate. Maximum loan amount $10,000. Finance charge begins to accrue on the date an advance is made on the line. No annual fee. Loan subject to approval and qualifications. Certain restrictions may apply. Review the Fee Schedule for any fees that may apply.

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Do you offer overdraft protection?

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