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Routing Number: 273976369

Our unique, nine-digit number that functions as an address for your bank.

Overdraft protection

Designate other accounts, like your savings account, as a backup source of funding. The money pulls automatically – with no delay in payment and no fees for the transfer.

Quick Draw

Apply for this line of credit tied to your checking account. If your Overdraft Protection is exhausted, you can dip into your Quick Draw to cover your payment. Interest begins to accrue immediately on the money you borrow but there are no fees for the transfer.

Courtesy Pay§

Your last line of defense may allow checks and ACH payments to clear by pushing your account into the negative. You’ll be charged an overdraft fee but potentially avoid fees from the merchant.

Activate Courtesy Pay+ to extend this service to purchases made with your debit card in stores or online.#

To set up Overdraft Protection, apply for a Quick Draw or to activate Courtesy Pay+, call (800) 235-3228 or stop at any branch.

§Courtesy Pay is not guaranteed and is not a line of credit. There is no fee for the service. If Courtesy Pay is unavailable, a check, ACH, bill pay or other electronic (other than one-time or nonrecurring debit card) payment will be rejected if there is insufficient available balance in your account and no Overdraft Protection source(s) are available and sufficient to cover the item. If this occurs, you will be charged a Return Item Fee up to the daily Return Item Fee limit for each payment that is rejected. Although Return Item Fees will be charged to your account and will reduce your account balance, including impacting your ability to make payments and access funds, we will refund all Return Item Fees each night prior to the start of the next business day. We reserve the right to change the timing of any such refund due to circumstances beyond our control including, but not limited to, network, electrical or equipment delays or failure. Note, a merchant may also charge fees for a returned item. If a one-time or nonrecurring debit card payment is declined (not authorized at the point of sale), you will not be charged fees by Veridian or the merchant. All accounts must be in good standing to qualify for Courtesy Pay. If Courtesy Pay is used, an Overdraft Fee will be charged for each paid overdraft, up to the daily Overdraft Fee limit.

#If a debit card payment is declined (not authorized at the point of sale), you will not be charged fees by Veridian or the merchant; however, if you do not have enough available balance in your checking account, the attempt to pay with your debit card will be declined unless you have Courtesy Pay +.

Locate a Branch

Serving all 50 states digitally with branches in Iowa, Nebraska, and Minnesota.

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