Overdraft Solutions

Our overdraft services give you options that can save you non-sufficient funds fees and spare you the embarrassment of returned checks; because, let’s face it, we’ve all made that mistake.


Standard Overdraft Services

Overdraft Defender *

When you have unanticipated expenses or make mathematical errors that cause your checking account to be short of cash, Overdraft Defender® can save you the embarrassment of returned checks.  There is no charge for the service, but our normal overdraft fees of $29 per item apply.  This is available for personal and business checking accounts.     

Overdraft Defender® provides coverage up to $300 on regular personal checking accounts, up to $500 on interest-bearing personal checking accounts and up to $1,500 on a business checking account.   Contact us to add Overdraft Defender® to your account.


Overdraft Protection Plans

Overdraft Protection (Sweep)

  • Automatic transfer from your savings account to cover overdrafts
  • $10 transfer fee
  • No loan application is needed


Cash Reserve

Cash reserve is a personal, unsecured loan to balance your account if you should overdraw.  Use your good credit to qualify for our Cash Reserve product.  You may write your own loan any time you need extra money for pleasure or an emergency.  It is the freedom of having a reserve fund at your command.

  • Avoid returned checks
  • Eliminate NSF fees
  • Get peace of mind when times get tough


 *Our Overdraft Defender service is a purely discretionary privilege that we may provide to you from time to time and which may be withdrawn or withheld by us at any time without prior notice or reason or cause. Our normal fee for non-sufficient funds (NSF) or overdraft (OD) items is currently $29.00 per NSF or OD item, as set forth in our fee schedule, and will be charged for each transaction initiated for payment from your checking account that does not have sufficient funds. Transactions that may cause or create overdrafts include checks; in-person (teller) withdrawal; ACH or automatic payments.  In addition, if you sign the Opt-in authorization, you may be able to access your overdraft checking limit through an ATM or debit card purchase.  The amount of any overdrafts including our fees that you owe us shall be due and payable immediately. We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you.


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