Overdraft Protection
Banner Bank encourages you to carefully track your account balances to avoid overdrafts. We offer overdraft protection that you can opt-into to protect you when there are not enough funds available in your account to cover the amount of a transaction. If you choose not to opt-in to overdraft protection, ATM and debit card transactions that would cause an overdraft will automatically be declined.
Banner Bank provides two primary options for overdraft protection:
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.
Tracking your balance
Banner offers several different ways to track your checking account balance. Those include:
- Online Banking or Mobile Banking. These tools not only display balances, but provide the opportunity to establish Balance alerts through either SMS or E-mail
- Banner Bank-By-Phone (800-527-6435) can be used at any time to verify your account balance
If you need help managing your finances, we recommend visiting the Federal Trade Commission's webpage regarding Consumer Information on Money & Credit.
Still have questions or need help?
Monday - Friday 7:00 a.m. - 7:00 p.m.
(PT)
Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients.