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Overdraft Protection

Easy access to your money

Overdraft Protection

If you overdraft your checking account, you could face a non-sufficient fund (NSF) fee from Family Trust – plus an NSF fee from the merchant, which can range from $20 to $40. The total result in some cases could cost you almost $70 in fees for each returned item. Not only that, a returned check also can be embarrassing and injure your personal credit rating.

Avoid the inconvenience by taking advantage of our overdraft protection options.

Transfer from Savings

Transfer money from your primary savings account, additional savings account, PayBack Savings or Money Market accounts. Limit six per month. Cost is $3 per transfer. Contact us to set up this type of overdraft protection.

Example Amount
Checking Account Balance $0
Transaction -$150
Overdraft Protection Transfer +$153
Overdraft Protection Fee - $3
Checking Account Balance $0
Your Cost $3

Transfer from Visa Credit Card

Transfer money just like you would a cash advance. You pay the interest for the amount you borrow rather than a per transaction fee. Interest applies from the date of the transfer. Contact us to set up this type of overdraft protection.

Example Amount
Checking Account Balance $0
Transaction - $150
Overdraft Protection from Visa credit card +$150
Checking Account Balance $0
Your Cost for this item if repaid in 7 days [7.95%APR to 18.00%APR]
[$.21 to $.52]

No Bounce Courtesy Pay

With No Bounce Courtesy Pay, Family Trust may elect to pay your items even though they are presented at a time when there are not sufficient funds. Your items may be paid, provided that you do not overdraw your account by more than $600 including fees.

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Amount Overdrawn Fee
$.01 – $4.99 $3
$5,00 – $31.99 $16
$32.00+ $32

You will be charged a fee each time No Bounce is used, and you are required to bring your account to a positive balance within 30 days. Qualifications apply to be eligible for this service. Manage No Bounce Courtesy Pay enrollment in online banking or contact us. If qualified for No Bounce Courtesy Pay, we authorize and pay overdrafts for checks, automatic bill payments, and ACH debits. Upon request, we authorize and pay overdrafts for everyday debit card transactions. Overdrafts will not be paid if you do not qualify for No Bounce Courtesy Pay, your account is not in good standing, or the amount of the transaction would exceed $600, inclusive of fees.