An additional option to reduce declined transactions.
It can happen to anyone: you make a payment or purchase, then discover your account is short. Typically, that would result in a declined payment or returned check – and an unpaid balance.
Extra payment peace-of-mind
Overdraft Protection Plus is designed to cover the payment of checks, ACH debits, debit card transactions and ATM withdrawals, even when your current balance is insufficient. Think of it as an extra layer of protection, in case standard overdraft protection (which draws on a savings account or line-of-credit) is unavailable.
No charge to opt in.
If you never use the service, you pay nothing. If Overdraft Protection Plus is activated due to insufficient funds, a $30 per-transaction fee will apply (waived for items less than $5).
Total overdrafts must not exceed $600. Applicable fees will be added to the overdraft amount.