How to Avoid Overdraft Fees

Unexpected expenses happen to everyone, luckily we're here to help! Here are our top seven ways to avoid Overdraft Fees. 

Ways to Avoid Overdraft Fees

Monitor your account: 

Use our Digital Banking platform to monitor your checking account balances any where you go! 

Set-Up account alerts: 

Within Digital Banking you are able to set up text and e-mail alerts for low account balances and transactional alerts. Low balance alerts are tailored to the amount that you set. If you set the amount at $500, you will receive a text or e-mail everytime your funds drop below $500. Transactional alerts inform you when a certain transaction has occurred on your account. If you select to monitor ACH transactions, you will be alerted anytime an auto-payment has cleared, your direct deposit is made, and more. 

Keep a higher balance: 

Keep a higher balance in your checking account to ensure the funds within your account cover your monthly bills. 

Use Direct Deposit:

Skip the trip to a branch and have your paycheck deposited directly into your checking account. Talk to your employer to set-up direct deposit today. 

Apply For Share Draft Loan Protection

Share Draft Loan protection (SDLP) is a line of credit that makes an automatic transfer to your checking account when you do not have enough funds for a transaction to clear. Transfers happen automatically, at no charge, and in $100 increments. Learn more by contacting us at 607-257-8500 or Terms and conditions may apply. Loans are subject to approval. 


Unexpected expenses pop up for everyone, creating difficulties that can ruin your budget and harm your overall financial health. If you are unable to make your loan payment take advantage of our Skip-A-Pay program. Eligible members are able to skip up to two payments per calendar year.

Opt out of Overdraft Protection: 

If you would like to opt out of Overdraft Protection, please call 607-257-8500 or visit any of our branches


  • What is Overdraft Protection?

    Overdraft Protection (ODP) is a service offered to help members when available funds in their checking account have been depleted. This service automatically transfers available funds from a member’s linked checking or savings account(s) to cover a purchase or transaction. A member can have multiple accounts linked and can indicate the transfer priority of these linked accounts. There is a fee of $10 per occurrence.