A checking account feature in which you can link your savings account or a line of credit to your checking account to cover costly overdrafts.

Benefits with either choice:

  • Easy to setup - Only pay for Overdraft Service if you use it
  • Peace of Mind - Mistakes can happen, but with either of the Overdraft Service choices, you can help ensure your checking account is covered
  • Save Money - Help to avoid paying fees for overdrawing your checking account

How it Works
Savings Overdraft

If you write a check, authorize a payment or take a cash withdrawal when there are not enough funds in your checking account, funds will be transferred from your Savings account, up to your available savings account balance, to your checking account to cover the overdraft.

  • Funds will only be transferred once per business day
  • One Savings account can be linked to several checking accounts for coverage

Overdraft Line of Credit*

If you write a check, authorize a payment or take a cash withdrawal when there are not enough funds in your checking account, funds will be transferred from your Overdraft Line of Credit to your checking account to cover the overdraft up to your approved credit limit.

  • Funds will only be transferred once per business day
  • One Overdraft Line of Credit account can be linked to several checking accounts for coverage
  • $25 annual fee, waived the first year
  • Interest will accrue on outstanding balances


*Subject to credit approval. See branch for full details.