Overdraft Protection Options

We offer several options for overdraft protection on your personal checking account. Explore your options using the chart below.

Standard Overdraft Plan

As part of our standard overdraft protection, we may authorize and pay overdrafts for these types of transactions at our discretion up to a maximum of $250.00 for Basic Checking and Regular Checking accounts, and $500.00 for Interest Checking accounts:

  • Checks and other transactions presented with your checking account number. 
  • Automatic bill payments. 
  • Recurring ATM/Debit card transactions, such as using your ATM/Debit card to automatically pay a monthly gym membership.

• No fee is charged for aggregate overdrafts totaling $10 or less on any business day. 

• We will charge a $32.00 fee for each item returned for non-sufficient funds or paid into overdraft, with a maximum of 5 item fees imposed per business day. 

• You will be charged a one time extended overdraft fee of $15 on the 5th business day the available balance remains below zero.

Overdraft Transfer Service

This service links your checking account to a secondary deposit account and automatically transfers money into your checking account to prevent your account from becoming overdrawn.

A charge of $10.00 is assessed each time an advance is made against a linked secondary deposit account.

Money Plus Line of Credit

This service links your checking account to a line of credit (subject to credit approval) and automatically advances money into your checking account to prevent your account from becoming overdrawn. Learn More about our Money Plus Line of Credit.

Advances made under a Money Plus Line of Credit are subject to the terms of repayment as outlined in the formalized Credit Agreement that is part of the plan.


You can also elect to decline any overdraft coverage. With this option, any transaction over the amount available in your account will be declined or returned automatically. Returned transactions are subject to the current non-sufficient funds (NSF) fee.

We do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned.

For more information about Overdraft Protection Plans, contact your local branch or call us at 805.369.5200, option 4.