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Overdraft Protection

Savings Overdraft Protection1

  • May pay your debit card transactions if you don't have enough funds to cover the transaction
  • Allows pre-authorized transfers from your savings account to your checking account
  • Helps you avoid bounced checks and banking penalties
  • $4 transaction fee applies
Hand holding debit card icon

Line of Credit Overdraft Protection2

  • When approved for this line of credit, funds up to your credit limit will be available to cover checking overdrafts
  • Available limits from $500 - $5,000
  • Subject to loan interest
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Select Accept3

  • May pay your debit card transactions if you don't have enough funds to cover the transaction
  • $25 fee applies to each overdraft with a limit of three per day per account
  • Overdrafts less than $5 will not be charged the $25 fee
  • To get started, simply login to online banking and click the tab for “Select Accept”

          Questions? Call us: 800.854.9846 or Visit Us 

          Terms and Conditions

Icon depicting an ATM with a debit card

1Savings Overdraft Protection. A savings transfer will be applicable when your Share Savings Account has the necessary funds to cover check and debit card overdrafts. $4 per transaction fee applies.

2Overdraft Line of Credit. Requires application and is subject to credit approval. When enrolled, allows preauthorized transfers to your checking account subject to available credit. Secured credit limits are between $500 and $5,000 at current Annual Percentage Rate (APR). Subject to loan interest.

3Select Accept.  Covers everyday debit card transactions. $25 fee for each overdraft limited to three (3) fees per day, per account. You will not be charged the $25 fee if you overdraw your account less than $5. Overdraft amounts and associated fees must be paid within 30 days to avoid account restriction. Recurring debit card transactions may continue to be authorized at our discretion even if you do not sign up for Select Accept. We reserve the right to refuse to pay an overdraft at our discretion.