Overdraft Protection

Banner Bank encourages all of our Checking clients to carefully track their balance to avoid overdrafts.  Additionally the Bank offers overdraft protection, to help prevent declines of your debit card transactions and so any inadvertent overdrafts, electronically or via check, can be covered.  The Bank provides two primary Overdraft Protection options:


  • Link your Banner Bank Savings (or other deposit) account to your Checking account.  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 linked account balance is not sufficient to satisfy a full $25 increment.  There is a $6.00 charge for any day where a transfer occurs.1

  • 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 lessor amount may be transferred if the available balance of the line of credit is not sufficient to satisfy a full $25 increment.2

To discuss these options, call our contact center 800-272-9933, or talk with a representative at your local branch.


1) It is possible that the amount transferred from the linked account may not be sufficient to cover an item causing the overdraft, and despite that will still result in a daily transfer fee along with the associated overdraft fee or non-sufficient funds fee being charged.

2) Banner Bank Personal Line of Credits are subject to credit approval.  These lines have a $35.00 annual fee.