You’ve Got Options
How to Limit Fees If Exceeding Your Available Balance
You don’t really care what it’s called. You just want something to cover a check or other debit from your account when you’re at $0 so you can:
- Avoid a fee on the other end
- Not impact your good credit
- Minimize the fees you pay on our end
Overdraft Protection Options
|Feature||Savings Account||Personal Line of Credit|
|Can Build Credit||No||Yes|
Definition: Your Available Balance is the amount of money in your account, minus any holds (such as outstanding Debit Card authorizations) and deposits that aren’t yet available due to our Funds Availability Policy.
The Fine Print
You’ll find the fees listed on our Fee Schedule. You’ll find Interest & Dividend Rates in our Truth in Savings disclosure. Savings Accounts are limited to a maximum of 6 transfers per month. (It’s Regulation D by the US Government that sets the limit). Also, learn more about Courtesy Pay as an option too.