Overdraft Protection

Overdraft Protection

It Can Happen to Anyone

No worries. That’s why there’s overdraft protection. It comes with peace of mind. And we cover transactions that exceed your available balance. So you… can relax.

Request It

Overdraft protection covers any ATM withdrawals or Debit Card purchases at a store, online, or by phone. Even if you don’t request it, chances are we’ll pay your overdrafts, including checks.

What’s Available?

Overdraft protection is there just 30 days after you open your checking account. We give you a $300 overdraft limit for checks. You deposit $300 during the 30 days. Just maintain a positive balance. We cover checks and pre-authorized payments. ATM withdrawals and Debit Card transactions aren’t covered.

How’s It Work?

Not enrolled? We won’t be able to cover any ATM or Debit Card transactions that result in an overdraft.

Enroll and you have ATM/Debit Card Overdraft Service. We may pay and approve at our discretion, meaning we don’t guarantee or always authorize payment. If we do, there is a fee.

How Do I Enroll?

Visit any branch. Or call us at 423.365.8400. We’ll be happy to help and answer any questions. That’s simply all there is to it.

Another Option

There’s also Automatic Transfer Service or ATS. Connect your savings account to your checking account. Automatically transfer funds from savings to checking, maintaining a positive balance. Talk with one of our team to find out more.

EDIE The Estimator

With 100% FDIC-Insured deposits,
you can’t lose a cent!
EDIE the Estimator