relax when you transact

Prevent returned or rejected items due to insufficient funds in your checking account. 

Overdraft Line of Protection

Be protected by an open-ended, revolving line of credit with limits ranging from $1,000 to $5,000, with no annual fee and a low variable rate. 

  • Avoid fees for returned check charges from stores or creditors.
  • Protect your credit rating. Overdraft Protection covers your checks even if you don’t have enough money in your checking account.
  • Automatically transfers funds when needed.

Use the available balance on any credit card to provide you with overdraft protection.


Savings Account

Your Smart Savings can provide your checking account with automatic transfers of funds. Plus, you can use Online Banking to avoid transfer fees.*


Courtesy Pay Overdraft Protection

With Courtesy Pay, your debit and ATM card transactions may be paid, even if there are insufficient funds in your account - or if you deplete your standard overdraft protection. Additional advantages include:

  • Safety-Net: If you need money for unexpected purchases and you don’t have another form of payment
  • No Fees: There are no fees to add and use Courtesy Pay Overdraft Protection 

  • Cash: Even with a low amount in your checking account, you can withdraw cash at an ATM up to your daily ATM cash limit

Opt-in to make sure you’re covered

Log in to Online Banking above or call us at 800-772-4000, option 0. 

*Federal Regulation D limits certain types of withdrawal and transfer transactions you can make out of your savings or money market accounts to six (6) per month. After 6, an Excess Withdrawal Fee will apply.