Banner Bank provides two primary options for overdraft protection:
Link your Banner Savings and Checking accounts
Should your Checking account become overdrawn, funds will be transferred from your linked account in $25 increments. A lesser amount may be transferred if your Savings or linked account balance is not sufficient to satisfy a full $25 increment. There is a $9.00 transfer fee charged only on a day in which the transfer from a deposit account successfully prevents overdrafts on the protected account.
Link your Banner line of credit and checking accounts
Link your Banner Bank Personal Line of Credit» to your Checking account. Should your checking account become overdrawn, funds will be transferred from your linked Personal Line of Credit in $25 increments. A lesser amount may be transferred if the available balance of the line of credit is not sufficient to satisfy a full $25 increment.
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Overdraft protection by line(s) of credit subject is to credit approval and limited to residents of Washington, Oregon, Idaho or California, or to current Banner Bank deposit clients.