Overdraft Protection

Understanding Overdrafts

An overdraft occurs when you do not have enough money in your account to cover a transaction, and the bank pays the transaction on your behalf. You then must pay back the amount your account was overdrawn, plus overdraft fees your bank charges for covering the transaction.

What you should know about overdraft fees:

  • Banks can charge you for each overdraft, which means you could incur multiple overdraft fees in one day.
  • Deposits, withdrawals and other transactions do not always update your account balance immediately, or in the exact order they occurred.

At Banner Bank, we encourage you to track your balance carefully to ensure you have enough money to cover your transactions and avoid overdrafts. You can monitor your account with ease by:

Keeping enough money in your account to cover planned expenses plus a little extra for those unexpected expenses is key to avoiding overdrafts. When monitoring your account it’s important to know when prescheduled electronic transfers, such as rent, mortgage payments or utility bills, will be debited, and how much they will be. Likewise, it’s also important to know when the money you deposit will be available for your use.

You can watch interactive demos to learn how Banner Bank’s online and mobile banking features can help you manage your finances anywhere, anytime.

Protecting Your Account

We offer overdraft protection for times when there are not enough funds available in your account to cover the amount of a transaction.

You can opt-in to overdraft protection and link your other Banner Bank personal checking accounts, savings accounts, or personal lines of credit to your protected account so funds from those accounts can be transferred to prevent overdrafts on the protected account.»

If you choose not to opt-in to overdraft protection, ATM and debit card transactions that would cause an overdraft will automatically be declined. Paid transactions resulting in an end-of-day overdrawn available balance of $5 or less will not be charged an overdraft fee.


Banner Bank provides two primary options for overdraft protection:

Link your Banner savings and checking accounts
Should your protected account become overdrawn, funds will be transferred from your linked account in $25 increments. A lesser amount may be transferred if your protected or linked account balance is not sufficient to satisfy a full $25 increment.
Link your Banner line of credit and checking accounts

Link your Banner Bank Personal Line of Credit» to the account you want to protect. Should your protected 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.

You can also refer to the Funds Availability section of our Deposit Account Agreement to learn more about how and when funds are posted to your account.

For further 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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Overdraft protection by line(s) of credit subject to credit approval and limited to residents of Washington, Oregon, Idaho or California, or to current Banner Bank deposit clients.

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