Add a safety net¹ to your checking account

¹Overdraft Protection Coverage is available to individually/jointly owned or certain business accounts in good standing. Coverage limits vary by account type: Interest-bearing checking accounts are eligible for up to $1,000; Private Platinum Checking, non-interest-bearing checking, and business checking accounts are eligible for up to $500. Account must be open for at least 60 calendar days and have enough deposits to equal or exceed your Overdraft Protection Coverage limit. It is not available for certain account types or ownership structures, including, but not limited to, savings accounts, money market accounts, certificates of deposit, IRAs, HSAs, trusts, fiduciary, estates, accounts owned by a minor, and certain business entities, such as IOLTA, municipal, financial institutions, corporations, business sweep, and/or those associated to/with any of these account types or ownership structures. We may limit participation or discontinue this service at any time. Overdraft Protection Coverage is a discretionary service we offer and is not a line of credit. We may, but are not required to, pay items that exceed your available balance. We apply our overdraft payment practices using consistent, objective criteria; however, payment of any item is not guaranteed. You should not rely on this service to cover transactions or avoid declined or returned items.

²You can remove Overdraft Protection Coverage or Overdraft Protection Debit Card from your account at any time. To do so, visit a branch or use online banking. If Overdraft Protection Coverage is removed, Overdraft Protection Debit Card will also be removed. For questions, contact us through online or mobile banking, by calling 888-248-6423, or by visiting a branch. Please see the Overdraft Protection Coverage Terms and Conditions for complete terms and conditions governing these services. We may suspend or terminate your Overdraft Protection Coverage, including any Overdraft Protection Debit Card, or close your account at our discretion, including if you no longer meet eligibility or Good Standing requirements or if we suspect fraud, misuse, or other risk-related activity.

³If your linked account earns interest, transferring funds to prevent an overdraft could result in earning less interest. You should decide whether this amount would be greater than the overdraft charges you anticipate you would avoid. You may request our Truth-in-Savings Disclosures for the type of linked account you propose to use to obtain information regarding how interest is determined and any minimum balance or other requirements to earn interest.If your Linked Account does not contain sufficient funds to cover an Item in full, we may use Overdraft Protection Coverage for the remaining amount, and an Overdraft Charge may apply; if no other coverage is available, the Item may be declined or returned. 

⁴$30.00 per item. Maximum of three charges per business day (up to $90.00 per day). We may assess an overdraft charge when we pay an item that causes or increases an overdraft. In general, an overdraft charge applies only in those circumstances when we pay an item using Overdraft Protection Coverage that exceeds your available balance. We do not charge fees for items that are declined or returned unpaid due to non-sufficient funds (NSF). However, a merchant or payee may still charge you a late or returned-payment fee on a transaction that is declined or returned unpaid, even though we do not. To extend Overdraft Protection Coverage to your ATM and one-time debit card transactions, you must opt into Overdraft Protection Debit Card. The order in which transactions are processed can affect whether Items are paid or returned and may result in additional overdrafts and Overdraft Charges.

⁵Small Amount Exception – An Overdraft Charge will not be assessed on any transaction that causes the account balance to become over drawn by $10.00 or less. Payment of any Item is not guaranteed. Items that would cause your account to exceed your Overdraft Protection Coverage limit may be returned unpaid, and additional transactions may be declined once you reach your coverage limit or if a single transaction exceeds your Available Balance plus your coverage limit.

⁶Overdraft Protection Debit Card allows us to pay overdrafts for ATM and everyday (one-time) debit card transactions. You must provide affirmative consent (opt in). You may revoke your consent at any time. You must have Overdraft Protection Coverage to enroll. If Overdraft Protection Coverage is removed, this service will also be removed. Certain rights and protections related to debit card transactions apply only to consumer accounts. When you make an ATM or one-time debit card transaction, a Temporary Debit Authorization Hold may be placed on your account for the authorized amount. Authorization of a transaction does not guarantee sufficient funds will be available when it is presented for payment, and your Available Balance may change throughout the day as transactions are authorized, processed, or Posted.

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