Overdraft Protection

• Individuals may link a designated savings account to their checking account to cover unexpected shortages. Funds are transferred in multiples of $100.
• Individuals may also use the Guaranteed Automatic Payment (GAP) account to meet unexpected or emergency cash demands. A GAP account is a separate revolving line of credit linked to the checking account. Funds are transferred in multiples of $100. As the GAP account is repaid, the credit reserve is replenished.

• GAP Accounts require credit applications and may be subject to fees and finance charges.
• For overdraft coverage accounts, please see your banker for details