Checking Account Choices

Advancial offers two overdraft protection options: Overdraft Transfers and Check Clear® Courtesy Overdraft Privilege. These services can help you avoid declined transactions in case of insufficient funds. Enrollment is required to utilize these services. If you choose to enroll your checking account in both Overdraft Transfers and Check Clear Courtesy Overdraft Privilege, we will attempt to cover the transaction by the transfer method before using Check Clear. 

• A free service where funds are automatically transferred from your linked savings account to your checking about to cover overdrafts. 
• NOTE: Federal regulations limit the number of certain types of withdrawals and transfers to savings to six per month.

• A discretionary service that may cover overdrafts up to your courtesy overdraft limit.
• You must be 18 years or older and have an account in good standing to be eligible to enroll.
• Offers two levels of protection:

1. Check Clear for Checks, ACH and Debit Card Transactions
2. Check Clear for Checks and ACH Transactions Only

• A $10 fee applies for each covered transaction, up to a maximum daily limit. 
• Your account must be brought to a positive balance within 45 days. Check Clear services may be revoked if your account remains negative for more than 30 days. 

1. Log in to Online Banking
2. Select Manage > Enrollments
3. Click the green arrow next to Overdraft Transfer Protection or Courtesy Overdraft
4. Select which account you’d like to enroll in the service and click Save