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Pay with Confidence

Avoid returned or unpaid items by understanding how checks, withdrawals, and other payments are processed.

Working together for smooth transactions

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Get a $10 buffer

If you are overdrawn by up to $10 when we receive a transaction, it will still be paid.

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And next-day grace

Avoid returned items by making a Qualifying Deposit1 that brings your Available Balance to $0 or more by 4 p.m. ET the next business day.

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Processing payments

We process items in the order we receive them. If you miss the next-day grace period, the item will not be paid. We will not charge a fee for returned items.

How the timing works with different payments

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Debit card use at an ATM or for a one-time purchase

Your transaction is approved or declined based on your Available Balance when you use your card. There is no fee if your transaction is declined.

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Branch withdrawals and transfers

Your transaction is approved or declined based on your Available Balance at that time. There is no fee if your transaction is declined.

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Checks and electronic payments

If an item doesn't exceed your Available Balance by more than $10, it's paid when we receive it. Otherwise, we'll hold funds in your account until 4 p.m. ET the next business day. Then, the hold is released, and we'll pay or return the item based on your Available Balance, and our discretion. No fee on items returned unpaid.

We reserve the right to change account benefits at any time without notice. Certain restrictions may apply. Please see the complete Disclosure Guide for additional details.

Interest rates are tiered to a maximum amount.

To be a qualifying overdraft deposit, the deposit must be: (1) of funds with same-day availability under our funds availability disclosure; (2) in an amount set forth in the next paragraph; (3) made to the overdrawn account; and (4) if the deposit will include cash or check, made at any of our branches up to the daily closing time of the branch on that business day, or at a full-service ATM located on the premises of one of our branches by 4 p.m. ET the next business day. A full-service ATM is an ATM that accepts deposits in addition to dispensing cash. If items exceeding your available balance were paid, the qualifying overdraft deposit must be in an amount that, when all debits and credits to your account at 4 p.m. ET the next business day have been posted, results in your available balance being by at least $0. A deposit made after 4 p.m. ET the next business day or made on a day that is not a business day is deemed to be made on our next business day.