Overdraft Options

Low balances happen to everybody. Sometimes it's nice to get a little help when you're in a pinch.

Compare Our Overdraft Options

Our overdraft options protect you from declined debit card transactions, bounced checks and overdrawing your checking account at the ATM.




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Standard Overdraft Service (Courtesy Pay)

If you have insufficient funds, we may (at our discretion) authorize and pay overdrafts for checks and automatic bill payments such as recurring debit card and ACH payments.1

$35 fee for every overdraft item covered.2

Limit 5 fees per account, per day.

This service comes standard with select checking accounts, but you can opt out.

ATM/Debit Card Opt-In

If you have insufficient funds, we may (at our discretion) approve the transaction and cover your ATM withdrawals or one-time (everyday) debit card transactions.1

$35 fee for every overdraft item covered.2

Limit 5 fees per account, per day.

You must give us your permission by opting in to this coverage.

Opt in below

Overdraft Savings Account

Funds are automatically transferred (up to your available balance) from your savings account to your checking account to cover any withdrawals that exceed your checking account balance. Learn more.

$3 monthly maintenance charge if $100 daily balance not maintained.

$25 to open.

Apply at any branch


When you open a checking account online

Overdraft Protection Line of Credit

Funds are automatically borrowed from your line of credit (up to your available balance) in the exact amount needed to cover a checking account transaction.

You pay interest based on the amount borrowed.

You must complete an application and receive credit approval.

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  1. If we pay the check or debit, the negative balance will constitute a loan to you and must be paid back immediately. We typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.
  2. Fee is waived if transaction causes your account to be overdrawn by $5.00 or less.

NOTE: When an item is presented against insufficient funds generally Liberty Bank will access funds as applicable in the following order before returning an item:  (1) Overdraft Savings Account; (2) Overdraft Line of Credit; (3) Courtesy Pay.

An Overdraft Overview

What you can do to reduce the risk of an overdraft:

  • Keep your check register up to date. Record all your transactions, including ATM withdrawals, checks, bank fees deducted, debit card purchases, etc. Be sure to deduct each amount when you write the check or at the point of purchase so you have the most up-to-date account balance.
  • Check your bank statement monthly. Compare your statement’s withdrawal and deposit history with what you have written in your check register. When you are done, the balance in your check register should match the balance on your statement. If you notice any errors or unauthorized transactions, please report them to Liberty Bank right away.
  • Enroll in Online Banking and/or Mobile Banking. These free services allow you to monitor your account activity anytime, make payments, or move money. You can even set up email or text alerts to let you know if your balance is getting low.
  • Keep a cushion in your checking account. You may wish to always keep a small amount of extra money in your account, just in case of emergency.
  • Use direct deposit. Ask your employer about having your paycheck automatically and electronically deposited to your checking account. You can also arrange for direct deposit of any federal payments you receive, such as Social Security checks. This helps avoid delays in depositing funds to cover your transactions.

ATM/Debit Card Opt-In

ATM/Debit Card Opt-In for ATM withdrawals or one-time (everyday) debit card transactions

*I authorize Liberty Bank to pay overdrafts on my ATM and everyday debit card transactions. I understand that I’ll be charged $35 each time an overdraft is paid.