There’s no cost to set up Overdraft Protection and no transfer fees when using Overdraft Protection from a linked savings account. Keep in mind that some savings accounts have limitations on the number of free withdrawals, payments and/or transfers that can be completed each month. See the Account Information Schedule for your savings account for more details.
Overdraft Defense

What is Overdraft Defense?
Overdraft Defense is our commitment to shield personal checking customers from fees, secure and shelter accounts from added costs and simplify the ability for customers to find out account balances. It’s a protection system in place that:
When you don’t have enough funds in your account to cover a transaction and we don’t pay the item on your behalf, no fee will be charged.
No overdraft fees on items under $5 with Safety Cushion.
Always know your balance with our easy-to-use Quick Balance feature or sign up for Daily Balance Alerts.
If you're looking for an account that comes with no overdraft fees, period, our No Overdraft Checking Account could be a good match for you. This Bank On certified account won't let transactions bring your funds below your available balance, so you'll never be charged an overdraft fee.
For more information on Overdraft Defense, please contact your local Dollar Bank office.
Frequently asked questions
If you don’t have a savings account linked to your checking account, our Smart Savings Account earns a great rate and makes the perfect companion account for our Everything Checking Account customers. Or, find the right savings account for you by comparing all our savings account options.
For a complete explanation of how your available balance is determined, please visit our Deposit Agreement page.
*Please see details on withdrawal limitations of some savings accounts under the FAQ section on this page, titled, "What does Overdraft Protection cost?"