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Overdraft Protection

Avoid the hassle of an overdrawn account.

Sometimes mistakes happen — no matter how careful you are with your finances. Overdraft Protection helps you to avoid an overdrawn account and insufficient funds fee.

Overdraft Protection from Savings*

If your account should become overdrawn, available funds from your Savings Account are automatically transferred to your Checking Account to pay for your purchases/transactions.*

Learn More Today

*A small fee applies for each Savings/Share Account transfer to cover overdrafts. See Fee Schedule.

Overdraft Protection from a Line of Credit

Protect yourself from insufficient funds fee by linking your Checking Account to a Line of Credit. If your Checking Account should become overdrawn, funds are automatically transferred from the Line of Credit into your account (up to your available limit†) and your transaction(s) are paid.

Apply for a Line of Credit Today

Credit qualifications apply. See terms, conditions, and Annual Percentage Rate information for a Line of Credit.

Courtesy Pay Overdraft Service**

A discretionary overdraft payment service for your checking account in the event you inadvertently:

  • Make a debit card purchase that overdraws your account;
  • Request an ATM withdrawal that exceeds your balance;
  • Write a check greater than your balance; or
  • Initiate an electronic payment/deduction from checking that overdraws your account

Courtesy Pay Overdraft Service allows us to authorize (cover) your transaction (up to $1,500, after subtracting the amount of the fee***), thus creating a negative balance in your account. This means your purchase is honored at the register; your cash is dispensed by the ATM; and your check or electronic payment is paid.

To utilize Courtesy Pay Overdraft Service for Debit and ATM transactions, you are required to opt into Overdraft Protection.

Learn More Today

View Courtesy Pay Overdraft Service Tutorial


**This service is offered at our discretion, which means we do not guarantee we will permit you to overdraw your account without limits. However, we’re unable to offer this service to you without your permission. You can give us permission by opting in for the service.

***Our standard overdraft practices – $32 for each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account. 
The amount of any overdrafts plus our Non-Sufficient Funds and/or Courtesy Pay Charge(s) is due and payable upon demand.


A new streamlined FFIS page will be launched soon.

In the meantime, to access your accounts, visit

or call (800) 766-4328, x8806.