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Enjoy extra protection against the costly and inconvenient problems associated with non-sufficient funds. Our overdraft protection options provide a safety net so you have coverage in case you find yourself with too little cash.
Overdraft Protection Transfer |
Standard Overdraft Coverage**** |
Standard Overdraft Coverage
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Redi Advantage Line of Credit |
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What's Covered? |
Checks, automatic bill payments, and recurring debit card transactions. |
Checks, automatic bill payments, and recurring debit card transactions. |
Checks, automatic bill payments, and recurring debit card transactions--plus, everyday debit card transactions and ATM withdrawals.* |
Checks, automatic bill payments, and recurring debit card transactions--plus, everyday debit card transactions and ATM withdrawals. |
How Does it Work? |
Link an eligible account to cover overdrafts. Each time a transaction is presented against insufficient funds, your linked account will transfer the money necessary to bring your balance to zero.** |
If there isn't enough money in your account to cover a transaction, we may, at our discretion, cover that transaction for you. |
This extended standard overdraft coverage is for everyday debit card purchases and ATM withdrawals if you enroll.* |
Links your checking account to a line of credit (subject to approval.***) Money is disbursed in $100 increments to the overdrawn account. The transfer takes place once daily as required to cover any overdrawn balances. |
What Does it Cost? |
$10 overdraft protection transfer fee. |
$36 non-sufficient fund fee per item up to six (6) per day. |
$36 non-sufficient fund fee per item up to six (6) per day. |
17% Annual Percentage Rate on advances.*** |
How Do I Enroll? |
At your local business center. |
All eligible checking accounts come with standard overdraft coverage. |
Enroll through our website at PeoplesBankNCOptin.com, by calling 828-466-1765 or toll free at 877-802-1212, or at your local business center. |
Click here to enroll online, call 877-802-1212 or at your local business center. |
Covers checks, automatic bill payments, and recurring debit card transactions
Works by linking an eligible account to cover overdrafts. Each time a transaction is presented against insufficient funds, your linked account will transfer the money necessary to bring your balance to zero**
Cost is $10 overdraft protection transfer fee
Enroll at your local business center
Covers checks, automatic bill payments, and recurring debit card transactions
If there isn't enough money in your account to cover a transaction, we may, at our discretion, cover that transaction for you****
Cost is $36 non-sufficient fund fee per item up to six (6) per day
All eligible checking accounts come with standard overdraft coverage
Standard Overdraft Coverage is a service offered to eligible checking accounts and requires no action on your part. Payment of items is discretionary. You must keep your account in good standing by making regular deposits. Infrequent deposits or failure to bring your checking account in good standing may reduce or remove your Standard Overdraft Coverage. Click here to read the full standard overdraft policy disclosure.
Covers checks, automatic bill payments, recurring debit card transactions–plus, everyday debit card transactions and ATM withdrawals*
Extended overdraft coverage for everyday debit card purchases and ATM withdrawals if you enroll*
Cost is $36 non-sufficient fund fee per item up to six (6) per day
Enroll online at PeoplesBankNCOptin.com, by calling 877-802-1212, or at your local business center.
