Your financial safety net
Overdraft Services
Protect your finances with overdraft services
Avoid the frustration of a bounced check or declined debit card transaction with overdraft services from Mountain America. Explore the options below to ensure your checking or debit card transactions clear in the event your account balance runs low.
Benefits of coverage
- Offers convenience—may provide uninterrupted coverage if you lack sufficient funds.
- Provides peace of mind—helps you avoid the awkwardness of a merchant declining your transaction.
- Provides added support—acts as a second line of defense for unexpected expenses.
Terms & Conditions, Rate & Fee Schedule
Compare overdraft service options
Ensure your transactions are covered
| Covered Transactions | Standard Overdraft Privilege | Overdraft Privilege Opt‑In for debit card transactions | Linked Account Protection | ||||
|---|---|---|---|---|---|---|---|
| Everyday debit card transactions | |||||||
| Everyday debit card transactions | | | |||||
| Checks and other transactions made using your checking account number | |||||||
| Checks and other transactions made using your checking account number | | | | ||||
| Automatic bill payments | |||||||
| Automatic bill payments | | | | ||||
| Features | How to opt in | ||||||
| How to opt in | No action is required. Upon meeting eligibility requirements, the service automatically applies. You may opt out anytime. | Call 1-800-748-4302 or visit your nearest branch. If you are already a member, you may opt in online. Opt in now | Call 1-800-748-4302 or visit your nearest branch. | ||||
| Cost | |||||||
| Cost | The overdraft fee is $25 with a maximum of five per day. | The overdraft fee is $25 with a maximum of five per day. | No fee. If linked to a credit line, interest charges may apply. | ||||
Avoid fees with these account management tips
Follow these tips to manage your account like a pro.
- Sign up for free text or email alerts for low balances, transactions and other account activity.
- Get in the habit of checking your account balances daily. Our digital banking tools make this quick and easy.
- Don’t forget to factor in pending transactions, automatic bill payments and subscription withdrawals.
- Schedule a free appointment with a financial guide. They can help you create a budget, suggest strategies to pay off debt and provide advice for your unique situation.
- Visit our financial guidance hub to access podcasts, videos and other online resources.
Overdraft FAQs
How do overdraft services work?
Who is eligible for Standard Overdraft Privilege?
Will I be charged a fee for using Standard Overdraft Privilege?
How do I opt out of Standard Overdraft Privilege?
How do I opt back in to Standard Overdraft Privilege if I have previously opted out?
What is the difference between my available balance and my current balance?
How is Standard Overdraft Privilege different from Linked Account Protection?
What types of transactions are covered by overdraft services?
Who can refund an overdraft fee?
If I have more than one checking account, can I apply overdraft services to all of them?
If I have more than one overdraft service, which option will be applied first?
What is the difference between an overdraft fee and a nonsufficient funds (NSF) fee?
How long does it take for overdraft services to be reinstated once my checking account is positive?
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Overdraft Privilege Disclosure, Rate & Fee Schedule
