Overdraft Protection - Deposit Account Coverage

Your checking account can be linked to your personal savings account or to another of your personal checking accounts. Only one account may be linked to your checking account as part of our Overdraft Protection Plan.


Transaction Processing

Each processing day after all transactions have posted to your checking account, if the available balance in the checking account isn’t sufficient to cover all of the transactions, a transfer is automatically made from your linked account to your checking account to cover the overdraft amount.

Transfers are made in the exact amount needed to cover the overdraft.

If the linked savings or checking does not have sufficient funds to cover all the overdraft items, we will transfer the amount needed to fully cover as many of the items as possible based on the posting order of each item.  Any item(s) in your checking account that cannot be fully covered under this Overdraft Protection Plan will result in an overdraft, if paid, or may be returned for Non-Sufficient Funds.


Beneficial if you

  • You occasionally overdraw your checking account.
  • You have another personal savings or checking account that you want to use to cover your overdrafts.



  • $10 Transfer Fee Per Day – assessed when a transfer is automatically made to cover an overdraft in your checking account. Your account will only be charged one $10 Transfer Fee on any given processing day and only when an overdraft protection transfer occurs.
  • No Transfer Fee is assessed when you proactively transfer funds yourself from the linked savings or checking account to your covered checking account online, in-branch, at the ATM or by phone.
  • We allow up to three (3) withdrawals/transfers from your savings account per month at no additional cost. There is a $3.00 fee for each transfer or withdrawal from your savings account in excess of three (3) per month. Transfers made from your savings accounts as part of this Overdraft Protection Plan or proactively by you count towards this monthly limit.
  • There may be other costs associated with our savings or checking accounts – call or visit your local branch for details.


Combine with Standard Overdraft Services1

  • If the money in your linked account does not cover all your overdraft items, our Standard Overdraft Services allows us to consider paying the remaining item(s) into overdraft subject to the following:
    • This service is automatically provided with checks, ACH, automatic bill payments and recurring debit card transactions.
    • You must opt-in to this service if you wish for us to consider authorizing and paying your ATM and everyday debit card transactions into overdraft. You may opt-in by calling us at
      1-800-448-8812 or visiting your local branch. You can change this election at any time. Please allow up to 72 hours for your election change to become effective.
  • Each overdraft item may be assessed a $36 Overdraft Fee, if paid into overdraft, or a $36 NSF Fee, if returned.
  • Overdrawn accounts may be subject to a Sustained Overdraft Fee of $36 if the balance is not brought positive within nine (9) calendar days2.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Even if we pay your account into overdraft, we maintain the right not to do so at any other time. If we do not authorize your transaction, it will be declined and will not be paid into overdraft. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible to avoid additional fees.



  • There is no limit to the number of overdraft transfers that can be made from the linked account daily or monthly. However, federal regulations do limit the number of certain types of withdrawals from a savings account to no more than six (6) per calendar month. Transfers made from your savings account as part of our Overdraft Protection Plan are included in the six withdrawals permitted.
  • If you exceed these limits three (3) or more times during any 12-month period, we will change your savings account to a non-interest bearing account that does not have withdrawal limits. If your account is changed to a non-interest bearing account based on excessive transaction activity, the use of the account to provide overdraft protection will continue uninterrupted. Please refer to the bank’s Deposit Account Agreement for more details.
  • Although the funds in linked Savings or Checking account can be used to cover any overdrafts created by ATM or debit card transactions that post to your account during our nightly processing, the authorization of such transactions throughout the day is based upon the available balance in the covered checking account only, the available balance in the linked Savings or Checking account is not used to authorize ATM and debit card transactions on the covered checking account. However if you opt-in to our Standard Overdraft Services for your ATM and everyday debit card transactions, we may, at our discretion, authorize such transactions into overdraft even when the available balance in the covered checking account is less than the amount of the transaction(s).



A minimum opening deposit may be required to open a personal savings or checking account; other criteria may apply. Call or visit your local branch for details.

Ready to sign up?

Call us or visit with us to learn more or to sign up for one of our Overdraft Protection Plans.

Find a financial center near you

Or call 1-800-448-8812

1Under our Standard Overdraft Services:

We will charge you a fee of up to $36.00 each time we pay an overdraft.

We will assess no more than 5 overdraft fees per account per day (Daily Limit). Please note that the Sustained Overdraft Fee discussed below does not count as an overdraft fee subject to the Daily Limit. NSF fees are subject to this same Daily Limit so that you will not be assessed more than 5 overdraft and NSF fees (individually or in combination) per account per day.

No overdraft fee will be imposed if, after the end of day processing, your available balance is overdrawn $5.00 or less. However, if after the end of day processing, your available balance is overdrawn by more than $5.00, you will be charged an overdraft fee for each overdraft for that day subject to the Daily Limit.

No overdraft fee will be imposed on any overdraft item of $5.00 or less.

2For each time that your account remains overdrawn for at least nine (9) consecutive calendar days, you agree to pay one Sustained Overdraft Fee of $36.00. Please note that we count as the first of the nine consecutive calendar days, the day on which we post the items which create the overdraft in your account, regardless of whether we have provided you with notice of the overdraft(s). This fee is separate from and may be charged in addition to the Daily Limit of 5 overdraft and/or non-sufficient funds (NSF) fees. We will not charge this fee if you pay us the total amount of the overdrawn balance on the ninth (9th) calendar day or the next banking day, if the 9th calendar day falls on a weekend or federal holiday that is not a banking day. We will also not charge this fee if:

     • Your account is overdrawn by $5.00 or less on the day on which we would otherwise charge it, or
     • You have not opted-in to the payment of ATM and everyday debit card (point of sale) transactions and the amount overdrawn only includes amounts from ATM and point of sale transactions presented and paid against insufficient funds, or
     • The amount overdrawn only includes bank fees and/or service charges.