We've got you covered
If you don’t have enough money in the available balance of your checking account to cover a debit card purchase at the time it is presented to us for authorization or a check, bill payment or other type of electronic payment (ACH) at the time it is posted to your account, here’s how to keep that debit card payment from being declined or the other item from being rejected and returned to the merchant.
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.#