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Overdraft Protection Plan - Personal Deposit Account Coverage


Your personal checking account can be linked to your personal savings account or to another of your personal checking accounts to serve as overdraft protection. Only one personal checking or savings account may be linked to your checking account to provide coverage.

Transaction Processing

During nightly batch processing, if the available balance in your checking account isn’t sufficient to cover all of the transactions presented for payment, a transfer is automatically made from your linked overdraft protection checking or savings account to your checking account to cover the NSF items.

Transfers are made in the exact amount needed to cover the NSF items.

If the linked savings or checking account does not have sufficient funds to cover all the NSF 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 NSF item(s) that cannot be fully covered under this Overdraft Protection Plan may result in an overdraft, if paid, or may be returned for Non-Sufficient Funds.


Beneficial if

  • You occasionally overdraw your checking account and have another account that can cover you.
  • You want to enjoy some "Peace of Mind" when life gets busy.



  • 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 1-800-448-8812 or visit your local financial center for details.


Combine with Overdraft Consideration1

  • If the money in your linked account does not cover all your NSF items, our Overdraft Consideration allows us to consider paying the remaining NSF 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 NSF items into overdraft. You can change your election at any time by visiting your local financial center, online, using our mobile app, or calling us at 1-800-448-8812. You can change this election at any time. Please allow up to 72 hours for your election change to become effective.

    We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of  NSF item into overdraft. 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 generally be declined and may not be paid into overdraft. Once you have overdrawn your account, you must bring it to a positive balance immediately.



  • There is no limit to the number of overdraft transfers that can be made from the linked account daily or monthly.
  • 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 batch 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 Consideration 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 financial center for details.

Ready to sign up?

Call us at 1-800-448-8812 or visit with us to learn more or to sign up for one of our Overdraft Protection Plans.
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1 For personal accounts, under our Standard Overdraft Services:

We will charge you a fee of $36.00 each time we pay an NSF item into overdraft.

We will assess no more than 5 overdraft fees per account per day (Daily Limit). 

No overdraft fee will be imposed if, after nightly batch processing, your available balance is overdrawn $10.00 or less. However, if after nightly batch processing, your available balance is overdrawn by more than $10.00, you may be charged an overdraft fee for each NSF item paid into overdraft subject to the Daily Limit.

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