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Learn more about your overdraft coverage options to determine what type of coverage might work best to help you avoid overdrafts.

Link Your Accounts
Do you have a City savings account or a second checking account? We can link your accounts so that if you happen to overdraw your checking account and funds are available in your linked account, we will automatically transfer funds from one account to the other. This covers:
- Checks and ACH Transactions
- ATM and One-Time to Non-Recurring Debit Card Transactions
- Recurring Debit Card Transactions
There is no charge per transfer. However, if funds are not available in the linked account to cover an overdraft, a $36 overdraft fee will apply. Savings accounts are limited to 6 transactions per month and will be charged a $1.50 fee for each transaction in excess of 3 per month. Call or stop by your local branch to link your accounts. If you don’t have a City savings account, you can open an account online or learn more about our account options.
Overdraft Line of Credit*
You may apply for a line of credit. Once approved, if you overdraw your account and funds are available, we will automatically transfer funds from your credit line into your checking account, up to your credit limit. This covers:
- Checks and ACH Transactions
- ATM and One-Time to Non-Recurring Debit Card Transactions
- Recurring Debit Card Transactions
$25 Annual Fee, plus interest on the amount of the line you use. Call or stop by your local branch to apply for an overdraft line of credit.
Bounce Protection**
If you write a check or make recurring payments and sufficient funds are not available in your account, City will strive to pay the item(s). This can help you avoid costly returned check fees from merchants. This covers:
- Checks and ACH Transactions
- Recurring Debit Card Transactions
If you have a transaction that causes an overdraft, you’ll be charged $36 per overdraft whether the item is paid or returned. Qualifying accounts will automatically be enrolled. You can opt-out at any point using one of the methods below.
Bounce Protection Plus
If you attempt a debit card transaction or an ATM withdrawal and sufficient funds are not available in your account, City will strive to authorize and pay the transaction. This covers:
- ATM and One-Time to Non-Recurring Debit Card Transactions
If you complete a transaction that causes an overdraft, you’ll be charged $36 per overdraft. This feature is available on your account only if you opt-in. You can opt-in or opt-out at any time using one of the methods below.

What happens if I don’t have any overdraft protection services?

Please know that we understand that mistakes happen. Sometimes you might write a check or initiate another transaction without having enough money in your account. At City, we’ll waive the fees for the first two non-sufficient funds (NSF) items you incur during the life of your account¹. Beyond that, NSF items will be treated as follows:

If you write a check or make a recurring payment for more money than you have in your account, City will return the item unpaid, and a $36 NSF fee will be assessed against your account.

If you attempt to make a debit card purchase or ATM withdrawal for more money than you have in your account, the transaction will be declined, and no fee will be assessed.

What is Right For Me?

Link Your Accounts

Overdraft Line of Credit*

Bounce Protection**

Bounce Protection Plus

What happens if I don’t have any overdraft protection services?