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:

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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.
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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.

Tracking your balance

 

Banner offers several different ways to track your checking account balance. Those include:

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?

Call us for assistance
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Subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or current Banner Bank deposit clients.