Phone: 413-586-1300 or 800-644-8261

Overdraft Services

We offer 3 methods of automatic overdraft protection, OOPS!, Automatic Transfer, and Line of Credit just in case you accidentally overdraw your checking account.

1. OOPS!

Easy to qualify
Maximum overdraft limit of $800 including overdraft fees
$30 overdraft fee per item (maximum 3 per business day)
No overdraft fee for transactions less than $5 that may overdraw your account
Avoids merchant charges on bounced checks
Whether your overdrafts will be paid is discretionary and we reserve the right not to pay
The amounts of any overdrafts, including fees, are due and payable immediately

Important Information:

Qualifying accounts are automatically enrolled for payment of checks, recurring debit transactions, and some electronic transactions, i.e. direct debits.
Your consent (opt-in) is required for authorization of ATM and everyday debit card transactions that may overdraw your account.

Opt-In for ATM/Everyday Debit Card Transactions

Federal Reserve Consumer Overdraft Rules

Money Management Tips for Your Checking Account

Revocation of Opt-In

2. Automatic Transfer

Funds are automatically transferred from your designated checking or savings account(s)
Can cover overdrafts up to your available balance
Federal regulations limit a total of six transfers per statement cycle on savings accounts
No interest charged, no credit required
$5 fee per occurrence

How to qualify:

Open an FSB checking or savings account
Designate the account as your overdraft transfer account

3. Line of Credit

Funds are automatically transferred from your personal line of credit
Pay interest only on amount used
Credit lines available from $1,000 ($500 increments)

How to qualify:

Apply for a personal line of credit
Quick approval process