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Overdraft Protection

Consider pairing these Overdraft Choices® with good account management practices to avoid overdrawing your account.

Our overdraft services are another great way we help you bank better. With Overdraft Choices® we help you avoid fees, and prevent overdrafts while enabling you to make transactions and purchases with your debit card even when sufficient funds aren't available in your account.

  • Savings Overdraft Transfer - Allows for automatic transfers from available funds in your savings account to your checking account to cover each overdraft item. Savings accounts have withdrawal limitations and these transfers are included in those limits.
  • Overdraft Line of Credit protection - Allows for automatic transfers from available funds in your Overdraft Line of Credit to your checking account to cover each overdraft item.
  • Debit Card Overdraft Coverage - Allows for you to manage your ATM and debit card transactions. We may approve ATM and debit card transactions that will overdraw your account and charge you an Overdraft Fee. Excludes recurring debit card transactions.
    • Choose to enroll if you want to get cash or make a purchase even when it will overdraw your account.
    • Do not enroll if you do not want to allow your account to be overdrawn by your ATM withdrawals or debit card purchases.
  • $5 Overdraft Pass® - A feature with all checking and money market accounts that ensures that you will not get an overdraft fee when you overdraw your with a transaction of $5 or less.

Want to learn more about managing your overdraft preferences and explore the Overdraft Choices® available to you? Ask a Citizen, we’re here to help. Call Us. We're available 24 hours a day, 7 days a week, at 1-800-922-9999.

 

 

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