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Overdraft Protection

Four layers of defense to protect your accounts.

Sign up for Overdraft Privilege Extended Coverage

Or call 1-800-621-2105

Overdraft Protection

Peace of mind and flexibility should an overdraft occur.

FOUR WAYS TO PROTECT YOUR ACCOUNTS

  1. Transfer Money from Another AccountLink two deposit accounts so money automatically transfers from one account to the other to match the exact amount of your overdraft. 
  2. Transfer Money from a Line of Credit Open an EZ Line of Credit so money automatically transfers from the line of credit to match the exact amount of your overdraft.
  3. Overdraft Privilege Standard Coverage — Elements authorizes and pays overdrafts from checks and automatic bill payments. We will charge you a fee of up to $32 each time we pay an overdraft.1
  4. Overdraft Privilege Extended Coverage — Includes Overdraft Privilege Standard Coverage, plus coverage for overdrafts on ATM and everyday debit card transactions that exceed your available balance.1

I love that Elements helps me avoid being charged extra overdraft fees on my accounts!

- Carson D. | Member since 2004

EZ Line of Credit — The easy way to access cash

An Elements EZ Line of Credit can be used as overdraft protection on your Elements checking account. Interest is charged on the outstanding balance.

Learn More

  1. 1 Overdraft Privilege may be discontinued if you default on any loan or other obligation to us, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within thirty-two (32) days for a minimum of one business day.