Funds will still be transferred from your share savings (00) automatically to cover overages in your checking account.

  1. If the item the funds are being transferred to cover is a debit card transaction, there is no fee for this automatic transfer
  2. If the item the funds are being transferred to cover is an ACH or check item, there is a $2.00 fee for the processing of this transfer


If there are not enough available funds in the share savings to cover the difference, the transaction may decline, or in the case of an ACH or check item, get returned as not paid.

  1. Depending on the availability of funds at the time of the transaction authorization, the items may still get paid and overdraw your account-in this instance, each transaction that overdraws your account will have a $27.50 overdraft fee
  2. If the transaction is an ACH or check item, and is returned for insufficient funds, your account will be charged a $27.50 NSF fee and you will need to make sure funds are available as most merchants will attempt to pull the funds a second time