What is the difference between Overdraft Transfer and Overdraft Privilege?

  • Overdraft Transfer: If funds are unavailable in your checking account, we will transfer available money from your savings account or line of credit to your checking account to cover the transaction.  There is no charge for this service. 
  • Overdraft Privilege: If you opt-in to this service, we will authorize your checking account to accept charges, even if the funds are not available, up to $600.  There is a $25 transaction fee for each charge submitted to your overdrawn account.