Not a payment guarantee.
Wings will pay overdrafts at our discretion; we are not obligated to pay any item if your balance is insufficient. Rather than automatically declining items, we will consider approving a reasonable overdraft as a courtesy.
There are less expensive options.
Wings checking accounts are automatically set up to have funds transferred from savings, should an overdraft occur. You can also add a line of credit, additional savings, checking or Money Manager account as free overdraft protection.
Remember, if Overdraft Protection Plus is activated, that means your account is overdrawn. You will need to repay the overdraft and any associated fees in a timely manner.