What are my options for Overdraft Protection?

We’ve got you covered. If you don’t have enough money in your available balance to cover a transaction, you have several options to help prevent declined payments or returned items:

Overdraft Protection
Link another account—like your savings—as a backup source of funds. Money transfers automatically when needed, with no delay and no transfer fees.

Quick Draw
Apply for a line of credit connected to your checking account. If your Overdraft Protection is used up, Quick Draw can cover the difference. Interest begins accruing immediately on borrowed funds, but there are no transfer fees.

Courtesy Pay
As a last line of defense, Courtesy Pay may allow checks and ACH payments to process even if it overdraws your account. An overdraft fee will apply, but it may help you avoid merchant fees for returned payments.

Courtesy Pay+
Upgrade your protection by activating Courtesy Pay+ to extend coverage to everyday debit card purchases, including in-store and online transactions.