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Overdraft Protection FAQs
CoverDraft acts as a safety net, so should you overdraft your account, we cover you up to $100 (or $250 if you set up qualifying direct deposits) on checks and transfers, debit card purchases, and bill payments, at no charge. In most cases, you'll qualify for CoverDraft 30 days after you deposit a total of $100 into your checking account.
Keep in mind
CoverDraft isn't a line of credit or a guarantee. If your purchase isn't covered for any reason (let’s say the transaction exceeds your CoverDraft limit, for example), it will be declined - but we'll never charge you an overdraft fee.
First, you'll need to qualify for the standard $100 CoverDraft protection. Then, you'll need to receive a qualifying direct deposit (payments through an employer, business, or government program that uses direct deposit) of at least $250 for 2 months in a row.
We'll let you know when you're eligible for the expanded CoverDraft protection. Then you can log in and change your preferences to match this higher amount.
Keep in mind
You'll need to receive at least 1 direct deposit every 45 days to keep this expanded protection.