As a community bank, it's critical that we are adaptive to your needs. We've heard our customers and are simplifying our overdraft policies to help make managing your finances easier. How? By introducing our newest program for our personal checking customers - Overdraft Defense. Because you could use one less thing to worry about when the unexpected occurs.
What is Overdraft Defense?
Overdraft Defense is our commitment to shield you from fees, secure and shelter your account from added costs and simplify the ability to find out your account balance. It’s a fresh idea and 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.
Avoid bounced checks and declined transactions. With our optional Overdraft Protection, money from your savings can be automatically transferred to your checking to cover transactions that would otherwise overdraft your checking account.
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.
Frequently asked questions
If you don’t have a savings account linked to your checking account, our Everything 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.