Check Advance provides an extra cushion for your checking account to protect you in the event you make a mistake in keeping track of your account.
Check Advance offers extra protection on most checking accounts against bouncing checks or having an item returned for insufficient funds by allowing your account to be overdrawn up to an established limit. You are spared the additional fees that may be charged by the merchant for a returned item. Plus, you don’t have to worry about the embarrassment or time that it takes to correct these types of situations. Check Advance is also available on Business Checking accounts by contacting the Business Services department.
Another advantage of Check Advance is the option to make a cash withdrawal beyond your available balance at any branch. This feature is especially convenient when you’re in a bind and need cash right away.
| Existing checking accounts with direct deposit and one year of account history
||$1,000 overdraft maximum
| New checking accounts after thirty days and up to one year of account history
||$500 overdraft maximum
- Up to $1,000 Overdraft Protection on all types of withdrawal transactions
Must opt in to include ATM and every day debit card transactions
- Withdraw Cash – If you need money and your balance is low, you can make an in-person withdrawal for up to $1,000 cash
- Low NSF Fee – Pay only $10 on your first debit card overdraft each month, or pay no fee when you overdraw your account by $5 or less
What types of transactions are covered?
Checks, ACH (Automated Clearing House) transactions, in-person withdrawals and Online Banking transactions/payments are automatically covered by Check Advance. However, in order to have your ATM and everyday debit card transactions included, you must opt in by completing and submitting the Opt In Disclosure Form.
Overdraft Opt In Form for ATM and Everyday Debit Card Transactions
What you need to know about Overdrafts and Overdraft Fees
Check Advance is not available on RT4T, Basic Checking or Freedom Banking accounts and can be denied or revoked at any time. Overdraft limits include fees. If you exceed your limit, your transaction or check may be denied. There is no fee for the Check Advance program, however there are fees associated with overdrafting your account. You may choose to revoke this service at any time. If your account remains negative for more than 5 days, a negative balance fee will apply beginning the 6th day.