Overdraft Protection

An overdraft occurs when you don’t have enough money in your account to cover a transaction such as a check, debit card purchase, ATM withdrawal, or ACH payment (electronic payment), but we pay it for you anyway. 

Overdraft Privilege is a little like having a spare tire in the truck of your car. You don’t plan on getting a flat tire, but you’re sure glad you have a spare tire there when you do.

We do not authorize and pay overdrafts for those types of transactions unless you ask us to. If you opt in to overdraft protection, a $30 fee will be charged to your account each time an overdraft transaction occurs.

Overdraft Privelege means:

  • You can avoid high charges from merchants on returned checks
  • You have more convenience and flexibility in managing your funds
  • Payments of overdrafts up to $500 will be considered on qualifying personal accounts
  • Overdraft Privelege costs nothing unless you use the service, and saves you money by avoiding additional fees due to insufficient funds

Please call and ask to speak to a Member Services Representative at one of our branches.