An overdraft can happen when a payment exceeds the money available in your checking account. Depending on the transaction and your account terms, a bank may pay the item, return it unpaid, or decline it. Paying an overdraft is not guaranteed, and fees may apply.
Understanding how overdrafts work can help you make informed choices about your account.
Review recent transactions and keep upcoming payments in mind.
A low balance alert can give you time to add funds before a payment arrives.
Learn which transactions may result in a fee and what happens if an item is returned or declined.
A banker can explain the options and costs that apply to your account.
We can help you understand your account terms and the choices available to you.
Transactions that exceed your available balance may be paid, returned, or declined, depending on the transaction and your account terms. Payment of an overdraft is not guaranteed. Overdraft and returned-item fees may apply. Review our Deposit Account Disclosures and Fee Schedule or speak with a banker for details about your account.