Overdraft Protection Options

What Is An Overdraft?

An overdraft occurs when an item is presented for payment and you do not have sufficient funds in your account to cover it. Using one or more of the overdraft protection options below can help prevent overdraft fees on your account.

Building Your Knowledge
Debt can happen and we're here to help. Learn more about how managing your debt can help you reach your financial goals.

Managing Your Money
Monitoring your account is a great way to help prevent overdrafts. CSB has a couple of ways you can easily keep tabs on your account.

Checking Your Balance
You can view your current and available balances at any time via Online Banking or Mobile Banking or at any of our ATM locations.

Setting Alerts
Easily set up alerts in Online Banking to check your balance, notify you of the minimum balance you set, or when there’s a large withdrawal or deposit.

Our Overdraft Protection Options¹
Get peace of mind and help prevent overdraft fees or a returned check with any of these options.

The finer points:

Potential access to funds when you overdraw your account²
Can help protect against a record keeping error

Overdraft Protection from Savings³

This service transfers funds automatically from your savings or money market account to cover you if there’s not enough money in your checking account, up to the available balance² in the linked account.

You may also combine both Overdraft Protection from Savings and an Overdraft Line of Credit for even more coverage.⁴

To learn more about our Overdraft Protection from Savings or Overdraft Line of Credit, please visit your local branch or give us a call at 888.418.5626.

Overdraft Line of Credit⁵

This service transfers funds automatically to your checking account when an overdraft occurs, up to the available limit² of the line of credit.

To learn more about our Overdraft Line of Credit, please visit our Personal Loans page, your local branch or give us a call at 888.418.5626.

Overdraft Protection Options

For more details about products and services, please refer to our disclosures.

¹ In general, if a check, item, or transaction is presented without sufficient funds in your account to pay it, we may, at our discretion, pay the item (creating an overdraft) or return the item for insufficient funds (NSF). The fee for a paid item is $25. There is no fee for returned items. A maximum of three (3) overdraft fees may be charged to an account per day and we will not assess an overdraft fee for items in the amount of $10 or less. If we honor a check, item, or transfer request that exceeds the balance in your account, then you must pay the overdraft immediately, as well as any applicable fee when we notify you.

² If you exceed the available balance on your overdraft line of credit or on your savings transfer, we may, at our discretion, pay the item, overdrawing your checking account. If this occurs, then you must pay the overdraft immediately, as well as any applicable fee when we notify you.

³ You must enroll in Overdraft Protection from Savings, and account titles must be alike.

⁴If you have both Overdraft Protection from Savings and Overdraft Line of Credit (ODLOC), the Overdraft Protection from Savings will be the primary source of transfer. If the designated savings account is depleted, a transfer will be made from your ODLOC. If the Overdraft Protection from Savings and ODLOC have both been depleted, we may, at our discretion pay the item, overdrawing your checking account. If this occurs, then you must pay the overdraft immediately, as well as any applicable fee when we notify you.

⁵The Overdraft Line of Credit requires credit approval; the annual fee is $25 and the Annual Percentage Rate is 18% as of 7/1/2024.