Overdraft Protection

Money Minder Overdraft Protection

Write yourself a loan with Overdraft Protection. This convenient and expense-saving product operates as overdraft protection AND an unsecured line of credit.

• Requires application and processing by the Retail Banking Department
• Advances up to pre-approved Money Minder limit
• Automatic transfers, in $100 increments, when checking account falls below $0
• Payments are automatically deducted from the checking account 10 days after the statement date
• No advance fee
• All loans subject to credit approval

Automatic Savings Sweep Overdraft Protection

This product is a great convenience to many clients who don’t want to pay for Money Minder, but want overdraft protection. This product allows you to use your savings funds to avoid overdrafts.

• A Retail Banker needs to be contacted to establish a Savings Sweep
• Automatic transfers, in $25 increments, when checking account falls below $0
• Each transfer has a $3 fee
• There is NO sign-up fee
• Transfers are free with Rewards Plus checking accounts

Important: Federal law limits savings and money market accounts to 6 pre-authorized transactions per month. Pre-authorized transactions include telephone transfers, automatic payments, checks, and these Savings Sweep transfers.

Additional Information

• Free Checking
• Interest Bearing Checking
• Seniors' Club Checking
• Relationship Checking
• Overdraft Protection