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Overdraft Coverage

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Activating overdraft coverage is as easy as stopping by your local branch and signing a one-page form.

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Overdraft Coverage

Features

  • Monies are automatically swept from funding account(s) to bring your personal checking available balance up to zero†
  • Funding account can be a Merchants Bank Money Market Account or Accounts, Home Equity Line of Credit or both†
  • $4 per transfer from Money Market Account(s)
  • Interest accrues on funds borrowed from the Home Equity Line of Credit
  • When using dual account coverage, you must designate the primary funding account

Benefits

  • Eliminates embarrassment of overdrawing
  • Saves on the high cost of overdraft fees

Overdraft Coverage Chart

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†If an overdraft exceeds the funds available in your funding account(s), the remaining overdraft will be assessed the standard non-sufficient funds fees. Exceeding Money Market transfer limits will negate coverage and non-sufficient funds fees will be incurred.

‡Interest accrues on all funds borrowed from the Home Equity Line of Credit.

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