Overdraft Services

What you need to know about our personal overdraft services.

Life can be busy, which means sometimes you can lose sight of how much money is in your checking account. If your balance drops below zero while taking care of life’s necessities, you may experience an overdraft. We offer options to better protect your finances and give you peace of mind.

Watch this video to learn more about how our overdraft services could work for you.

Overdraft Protection Plans

Handy Line ›

How It Works: This Handyline of credit protects your checking account by transferring funds up to the available credit line to cover your overdrafts.

  • Transfer Amounts: $100 increments, up to the available credit line.
  • Transfer Fees: $10 per transfer; waived if you proactively make the transfer to cover a potential overdraft.
  • Eligibility to Open Account: Normal credit criteria apply.

Line of Credit ›

How It Works: the Preferred Line of Credit and Home Equity Line¹ of Credit are generally used for large purchases, but they can also be linked to a checking account to provide overdraft protection. 

  • Transfer Amounts: Exact amount of overdraft up to the available line of credit.
  • Transfer fees: None
  • Eligibility to Open Account: Normal credit criteria apply.

Deposit Account Coverage ›

How it works: If you have either a personal savings or another personal checking account with us, you can link either one to your personal checking account as overdraft protection.

  • Transfer Amounts: Exact amount of overdraft up to the available balance.
  • Transfer Fees: $10 per transfer; waived if you proactively make the transfer to cover a potential overdraft.
  • Eligibility to Open Account: Minimum opening deposit may be required; other criteria may apply. Withdrawal limits apply.

Standard Overdraft Services

Checks, ACH, Automatic Bill Payments and Recurring Debit Card Transactions ›

How It Works:  We may, at our discretion, pay these items into overdraft and assess an overdraft fee on each overdraft item.  

If we decide not to pay an item into overdraft, it will be returned for non-sufficient funds and may incur an NSF fee.

This service is automatically applied.

ATM and Everyday Debit Card (Point of Sale) Transactions ›

How it Works: We will not authorize and pay these items into overdraft unless you ask us to, which we refer to as opting into this service.

If you opt-in and we authorize and pay these items into overdraft, we may assess an overdraft fee on each overdraft item.  Even if you do not opt-in, we may pay these items into overdraft if sufficient funds were available at the time of authorization, but not available at the time of settlement; however we will not charge you an overdraft fee.  

You may change your opt-in election at any time by calling 1-800-448-8812 or visiting your local branch.  It may take up to 72-hours to process your request.

No fee on items $5 or less

Overdraft/NSF Fee²:  $36 per item - these fees are waived on items that are $5 or less, or if your account balance at the end of day processing is, or would be overdrawn, by $5 or less.


Sustained Overdraft Fee³: $36

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. For example, we typically do not pay overdrafts if your account is not in good standing. 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. If your account is overdrawn, you must immediately bring it to a positive balance to avoid additional fees.

Still have questions? Read our frequently asked questions for more information on overdraft protection services.

Small business overdraft options are also available. Learn More or talk to a banker for more details.

We're committed to partnering with you and we're here to talk you through your options.

 

Call us or visit with us today.

Find a financial center near you

Or call 1-800-448-8812

¹The Home Equity Line of Credit is not available as overdraft protection in Texas.

²Under our standard overdraft practices:

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.

³For 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.