Overdraft Line of Credit 

Overdraft Protection for Personal & Sole Proprietor Checking Products

Annual Percentage Rates (APRs) are effective: 1/22/2024

Rates and terms are subject to change without notice.

Line amount


Transfer fee


$300 to $5,000




Details: This is a line of credit for which you must apply and is subject to credit approval. In the event your eligible checking account becomes overdrawn as a result of an everyday debit card transaction, ATM transaction, check, Automated Clearing House (ACH) transaction, recurring debit card transaction, or any other transaction using your account number, available funds will be transferred. 

Minimum Payment: The Minimum Payment will equal the greater of the following: $25.00 plus all accrued interest, any past due amounts, and all fees or charges or 3.0000% of the unpaid principal balance plus all accrued interest, any past due amounts, and all fees or charges.

Typical Payment Example: For an Overdraft Line of Credit account with a balance of $500.00, the interest rate is 18.00% and the Annual Percentage Rate is 18.00%. The monthly payment is approximately $25.00.

Eligible Accounts: Everyday Checking, Community Spirit Checking, My Cash Checking1, Premier Plus Checking, Employee Checking, Go Green! Checking, Choice Checking, Club Checking, Signature Checking, Signature Plus Checking, Sole Proprietor Checking, Sole Prop Interest Checking.

Ineligible Accounts: All business checking and money market account products, excluding Sole Proprietor Checking and Sole Prop Interest Checking; any account with Overdraft Protection Service; and the following personal checking products: Personal Money Market or any account opened under Totten Trust (ITF).

Subject to credit approval and additional terms, conditions, and fees apply. This is not a commitment to lend. Products, rates, terms and conditions are subject to change without notice. 

1All account signers must be 18 or older.

NMLS ID 643948