Overdraft Options

Exchange Bank recommends that you do not overdraw your account. However, to protect against an occasional, inadvertent overdraft, we offer certain overdraft services. These services include our Overdraft Protection Service, Overdraft Line of Credit, and our Overdraft Program. For more information on these options, refer to our Overdraft Program disclosure, call 707.524.3000, 800.995.4066 or visit one of our branches.



Automatically transfers funds from your designated personal checking, personal savings or personal money market account to avoid an overdraft in your personal checking account.


Everyday debit card transactions

ATM transactions


Automated Clearing House (ACH) transactions, electronically converted checks and electronic bill payments

Recurring debit card transactions

What's Covered?


We will pay items by transferring available funds from your linked deposit account in the exact amount plus a $10 fee, once at the end of the day.