No Overdraft Checking
Features you'll love
No Overdraft Checking is best for customers who want a predictable checking account with no overdraft fees. We won't let a debit card purchase bring your balance below what you have available, so you’ll never be charged an overdraft fee.* With access to Online Banking and the Dollar Bank Mobile App, you can pay your bills online and never worry about a bounced check.
No minimum balance
No minimum balance requirement.
55,000 free ATMs
As part of the Allpoint® ATM Network, access 55,000 free ATMs at convenient locations like Target®, Walgreens® and CVS®.**
Immediate paycheck access
Immediate access to your paycheck with direct deposit.
Savings
Pair your No Overdraft Checking Account with a No Overdraft Savings Account to grow your savings.
Overdraft Defense
Includes Overdraft Protection from a linked savings account and no NSF fees for all consumer accounts.
Early Pay
Get paid up to two days early.***
Fraud alerts
When we notice suspicious activity using your account debit or ATM card, we will send you a text message with purchase details so you can easily review and reply.
Mastercard ID Theft Protection™
Free Mastercard ID Theft Protection™ including 24/7 Identity Theft Resolution Service, identity monitoring and more.****
ClickSWITCH
Plus, quickly and securely move your direct deposit and other automatic payments to your Dollar Bank account with ClickSWITCH.
Mobile payments
Mobile payments with Google Pay™, Apple Pay® and Samsung Pay.
Blue Crew
Meet with a member of our Blue Crew at your local Dollar Bank office to make the most of our digital tools.
P2P payments
Link your Dollar Bank account to P2P payment apps for easy peer-to-peer payments.
Money management at your fingertips with our Online Banking and mobile app
View up-to-date activity and balances Manage your expenses and pay bills using our free Online Bill Pay Get spend insights to learn what, when and where money is going to better understand your spending habits My Cards: Card controls and access your digitally issued card shortly after your account is opened and has available funds Send Money with Zelle® Set up automatic savings Deposit checks using Mobile Deposit Set up Account Alerts And more
No Overdraft Checking is certified by Bank On
What does Bank On certification mean? No Overdraft Checking meets Bank On's National Account Standards and is certified as a safe, affordable checking account with no overdraft fees, low monthly costs and tools to help you manage your money.
No Overdraft Checking + No Overdraft Savings
Want to earn interest on your funds? Open a No Overdraft Savings Account as well.
Account details
- Minimum to Open
- $25
- Monthly Service Fee
- $5
How to Reduce Fee
- $2 with a qualified checking relationship
Statement Options
- Free electronic or mailed
FAQs
You can open an account online, visit your local office or schedule an appointment with a Dollar Bank representative. A minimum opening deposit of $25 is required.
In-Branch: To open an account at a Dollar Bank office, you’ll need to provide your name, address, date of birth, Social Security number or taxpayer identification number, and a valid non-expired government-issued ID. You’ll also need an opening deposit using either cash or a check.
Online: If you open online, you’ll also need to provide your name, address, date of birth, Social Security number or taxpayer identification number, and a valid non-expired government-issued ID. You’ll fund the account during the application process, which you can do by using a debit card, the routing and account number from another bank account, or by securely transferring funds via ACH using your online banking login information from another financial institution.
The monthly service fee is $5.
The monthly fee can be reduced to $2 with a qualifying checking relationship. Contact your local office to determine if you can qualify for this reduced fee.
We won't allow most debit card purchases to be completed if there isn't enough money available in your account. That means you won't be charged an overdraft fee for those transactions. Certain transactions are not subject to decline and could result in a negative balance. However, if this occurs, no overdraft fee will be charged.
Check writing is not available on a No Overdraft Checking Account.
No Overdraft Checking meets Bank On National Account Standards for safe and affordable banking, including having no overdraft fees and low monthly costs.
Allpoint
Dollar Bank is part of the Allpoint® ATM Network, which provides free access at more than 55,000 ATMs worldwide for No Overdraft Checking customers.
Use Allpoint ATMs at many convenient locations that you visit daily like Target®, Walgreens® and CVS®. Because Allpoint is a worldwide network, you’ll find Allpoint ATMs near your workplace and at your favorite vacation spots too. No sign up is required. Simply use your current Dollar Bank Mastercard® Debit Card or ATM Card to get cash at any Allpoint ATM.
Just look for the Allpoint logo on the ATM machine or visit our locations page for a list of convenient Allpoint ATMs.
Freedom
Freedom ATM Alliance® is a free ATM network for No Overdraft Checking customers, offering more than 600 ATMs! Visit our locations page to find your nearest ATM.
Using the My Cards section in the mobile app, you can add your debit card to Apple Pay®, Samsung PayTM and Google Pay. There will be steps to confirm your identity. Once you have completed the steps, your card will be available in your mobile wallet.
Early Pay may allow eligible customers with direct deposit to receive funds before their scheduled payday when payment information is received early by Dollar Bank. Early availability is not guaranteed.
Yes, customers can link a No Overdraft Savings Account for transfers and savings goals.
Disclosures
For information on account fees, see the Account Information Schedule.
*Certain transactions are not subject to decline. If any such transaction causes a negative balance, no overdraft fee will apply.
**Surcharges from other banks not in the Allpoint or Freedom Alliance networks may apply when using your debit Mastercard® or ATM card.
***Early Pay is available for retail account customers in good standing who set up direct deposit with their employer or other payer to receive electronic deposits of regular periodic payments (such as salary, pension or government benefits). The timing of when a transaction is credited is based upon when the payer submits the payment instructions to Dollar Bank. Early Pay is not a guarantee that you will receive your direct deposit earlier than your scheduled pay date and Early Pay may be delayed due to unanticipated circumstances.
****This benefit is provided by Generali Global Assistance Inc. Certain terms, conditions and exclusions apply. Please see your Guide to Benefits for details or call 1-800-MASTERCARD.
Mastercard is a registered trademark, and Mastercard ID Theft Protection is a trademark of Mastercard International Incorporated.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
Google Pay™ is a registered trademark of Google, LLC.
Apple Pay® is a registered trademark of Apple, Inc.
Samsung Pay is a registered trademark of Samsung Electronics Co., Ltd.
Message and data rates from your carrier may apply to Dollar Bank Mobile Banking including Google Pay, Apple Pay and Samsung Pay services.
Allpoint is a registered trademark of ATM National, LLC.
CVS is a registered trademark of CVS Pharmacy, Inc. Target is a registered trademark of Target Brands, Inc. Walgreens is a registered trademark of Walgreen Co.