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Get StartedOverdraft coverage options
Find the right coverage for your checking account
Overdraft Transfers
Overdraft Protection
Overdraft Protection Plus
Compare your coverage options
| Features |
Overdraft Transfers |
Overdraft Protection |
Overdraft Protection Plus |
|---|---|---|---|
|
Uses your own money or available credit* |
Yes | No | No |
|
Allows your checking account to go below $0* |
No | Yes | Yes |
|
MIDFLORIDA covers the transaction(repayment required) |
No | Yes | Yes |
| Types of transactions covered | Checks ACH Withdrawals Recurring debit card transactions One-time debit card transactions ATM withdrawals In-person withdrawals |
Checks ACH Withdrawals Recurring debit card transactions In-person withdrawals |
One-time debit card transactions ATM withdrawals |
|
Do I need to enroll? |
Yes | No. Automatic after 30 days for eligible accounts. | Yes |
| Are there fees? | Transfer fee |
Overdraft NSF fee See fee schedule |
Overdraft NSF fee See fee schedule |
| Repayment required? | It depends. Transfers from savings use your own money, so they don't need to be repaid. Transfers from a line of credit do. |
Yes. Negative balance must be repaid. |
Yes. Negative balance must be repaid. |
Take a closer look at your options
Overdraft Transfers
With Overdraft Transfers, you can link an eligible MIDFLORIDA savings account or line of credit to your checking account. If you don't have enough money in checking to cover a transaction, we'll automatically transfer available funds or credit from your linked account to help cover the difference.
- You must enroll and link an eligible account.
- Transfers are subject to available funds or credit.
- A fee applies each time a transfer is made.
- Line of credit transfers are also subject to the terms of your credit agreement.
Overdraft Protection
A forgotten payment or unexpected expense can leave your checking account short. Overdraft Protection gives MIDFLORIDA the discretion to pay certain transactions even when there isn't enough money available in your account. This coverage applies to checks, ACH transactions and recurring debit card transactions, such as subscriptions or automatic bill payments.
- Eligible accounts are automatically enrolled after 30 days.
- No action is required to enroll if your account qualifies.
- Overdraft fees will apply when a transaction is paid.
- You are responsible for repaying any negative balance and applicable fees.
- You can request to remove this coverage at any time.
Overdraft Protection Plus
Want additional coverage for debit card purchases and ATM withdrawals? Overdraft Protection Plus extends your overdraft coverage to these transactions. For example, if you make a purchase with your debit card but don't have enough money in your checking account, MIDFLORIDA may authorize and pay the transaction instead of declining it.
- You must qualify and opt in to enroll.
- Coverage applies to eligible one-time debit card purchases and ATM withdrawals.
- Overdraft fees may apply when a transaction is paid.
- You can cancel or opt out at any time.
Questions & Answers
Eligible checking accounts are automatically enrolled in Overdraft Protection after 30 days to cover checks, ACH payments, recurring debit card transactions and in-person withdrawals when you don't have enough money in your account.
For additional coverage of everyday, one-time debit card purchases and ATM withdrawals, you'll need to opt in to Overdraft Protection Plus. You can opt in through online banking or by sending us a secure message within online banking.
If you don't have online banking, please visit a branch.
Learn more about Overdraft Protection and which checking accounts are eligible.
You can opt out of Overdraft Protection Plus at any time through online banking. Keep in mind that removing this coverage means everyday, one-time debit card purchases and ATM withdrawals will be declined if you don't have enough money in your account.
To cancel Overdraft Protection for checks, ACH transactions and recurring debit card purchases, you can visit any MIDFLORIDA branch, call the Help Desk at (866) 913-3733 or submit a secure message through online banking.
Yes. If MIDFLORIDA covers a transaction that exceeds your available balance, you'll need to repay the negative balance along with any applicable fees.
If you use Overdraft Transfers from a line of credit, the amount transferred will be added to your outstanding loan balance, and you'll receive a bill for repayment. Overdraft Transfers from savings use your own money and do not need to be repaid.
Even if you are enrolled in Overdraft Protection, certain account conditions may temporarily affect your coverage. This service will not be available if:
- Your checking account balance has a negative balance greater than $30 for more than 15 days.
- You have a loan payment that is more than 10 days past due.
Once these issues are resolved, your eligibility for coverage may be restored the next business day. Enrollment in Overdraft Protection does not guarantee that transactions will be approved.
