Running a business can be hectic, 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 business necessities, you may experience overdraft. We offer options to better protect your finances and give you peace of mind.
How It Works: The Business Line of Credit can be linked to a small business checking account to provide overdraft protection.
How It Works: If you have either a small business savings or another small business checking account with us, you can link either one to your small business checking account as overdraft protection.
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 your check, ACH or Bill Payment item into overdraft, it will be returned for non-sufficient funds and may incur an NSF Fee.
If we decide not to authorize and pay your ATM and Debit Card transaction into overdraft, it will be declined.
Overdraft/NSF Fee: $36 per item
Sustained Overdraft Fee1: $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 postive balance to avoid additional fees.