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Overdraft Protection

Account Protection

Nobody’s perfect. We’re all human. We all make mistakes. So we’ll do our best to help you on multiple levels if your consumer checking account becomes overdrawn.

Step 1

We will automatically transfer funds from your savings account to cover your checking account if needed unless you choose to opt out. We will give you up to 3 free transfers from your savings account to your checking account/month. After 3, we will still cover your funds at a cost of $5/transfer.


Step 2

In addition, we offer memberRESERVE (click for full disclosure), a courtesy pay program, unless you choose to opt out. This is not a line of credit at your disposal. It is truly for emergencies and accidents – a safety net of sorts. Should a charge come through your checking account, you don’t have enough to cover (even in savings), we may pay on your behalf as you replenish your funds. This service has a tiered fee structure based on the amount of memberRESERVE used per occurrence, not to exceeed $25/occurrence. It may help you to avoid bounced checks and other returned items. Click for full fee schedule here.


Step 3

If you find yourself using memberRESERVE in excess, we also offer an Overdraft Line of Credit. This is a true loan product used to cover your checking account negative funds. Credit requirements apply. This is ideal should you find yourself frequently in this situation. You can use it as needed to cover checks or debit card transactions. You may not withdraw direct cash off the line.