Overdraft line of credit

Protect yourself against overdrafts.

Overdraft fees can add up over time. That’s why it’s a smart idea to have an overdraft solution in place. Our Overdraft Line of Credit helps safeguard you against overdrafts on your checking account. Once you’re approved, we’ll lend you the funds (up to your credit limit) to cover overdrafts from checks, automatic bill payments, recurring debit card, and ATM and everyday debit card transactions.

Here’s how it works:

• If you overdraw your account, we’ll lend you the funds by using your overdraft line of credit to cover the shortage
• Pay a $12  transfer fee only when you use the service
• No interest charges until you access your line. An interest rate will only be charged on the amount of credit used

When you use your Overdraft line of Credit, your statement will reflect the activity including fees and interest-rate costs. Your statement will also include both the monthly and year-to-date totals of overdraft and NSF fees charged for paid and returned items.