TWO WAYS TO HELP PREVENT CHECKING ACCOUNT OVERDRAFTS

Overdraft Program Options

To help you with unplanned or occasional overdrafts, we offer two overdraft programs that may cover certain transactions on your checking account when there are insufficient funds.

Gold Line Account1

  • How it works
    The Gold Line account is a line of credit that automatically transfers funds to your linked Bank of the West checking account in increments of $50 to cover overdrafts.  A Loan Transfer Fee applies for each transfer. If the available credit is not enough to cover at least one item plus the Loan Transfer Fee, the transfer will not occur.
  • Amount covered
    Total overdraft coverage is determined by your available credit limit, and credit is subject to approval (Certain fees and restrictions may apply).
  • Transactions covered
    Checks, ATM withdrawals, ACH and automatic electronic payments, everyday debit card purchases, recurring debit card transactions and other checking account transactions.
  • Choose if
    You want overdraft coverage for a wide range of transactions.

Apply for a Gold Line account at your local branch today.

Savings Overdraft Protection

  • How it works
    Savings Overdraft Protection automatically transfers funds to your checking account from your linked Bank of the West savings account or money market account in increments of $50 to cover overdrafts.2 A Savings Overdraft Protection fee applies for each transfer. If the available balance in your savings is enough to cover at least one or more items plus the Savings Overdraft Protection Transfer fee, we will transfer enough to cover as many items as possible and the Transfer Fee up to the remaining balance in your savings or money market account.
  • Amount covered
    Up to the available balance in your Bank of the West savings or money market account.  (Certain fees and restrictions may apply.)
  • Transactions covered
    Checks, recurring debit card transactions, ACH and automatic electronic payments presented at the end of each banking day.  Your ATM withdrawals and everyday debit card purchases are not covered at the time of transaction.
  • Choose if
    You need overdraft coverage for the types of transactions listed above.  This service is limited to personal and sole proprietorship accounts.

Contact your local branch for all the details.

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1The Gold Line account will not advance funds to cover fees or charges assessed by the Bank. This may result in an overdraft on your checking account.

2Each transfer counts as one (1) of the six (6) limited transactions you are allowed each calendar month from your savings or each statement cycle from your money market account.