Overdraft Protection

How We Help Cover Your Account

Every once in a while there may be a situation where you inadvertently spend more than what is in your account. We understand things happen, and that is why we offer our Members Overdraft Protection. 

What is an overdraft exactly? An overdraft is when your transaction exceeds your available balance. Thanks to our Overdraft Protection options, you can ease your mind knowing the transaction may still be covered and can be completed.

How Does It Work?

First, we will automatically transfer funds from your designated linked account(s) to cover your transaction if needed, unless you choose to opt out of this service. We will give you up to 3 free overdraft transfers from your designated account(s) to your checking account/month. After 3, we will still cover your funds at a cost of $2.50/transfer.

Overdraft protection is a courtesy pay program, where we strive to pay on your behalf even if your purchase exceeds your current available balance. Should a charge come through your checking account that you don’t have enough to cover (even in your designated account(s)), we may pay on your behalf as you replenish your funds. This service has a tiered fee structure based on the amount used per occurrence, not to exceed $25/occurrence. It may help you to avoid bounced checks and other returned items.

In addition, we also offer an Overdraft Line of Credit. This is a loan product used to cover overdrafts to your checking account. Credit requirements apply.

Live Smarter

If you have any questions, we are here to help. Call 315-735-8571 to talk about your options or make an appointment with one of our friendly Member service representatives today.

Interested In Learning More?

To see what other services are available with your Only One Checking Account, visit our Personal Checking Account overview page.