Overdraft Protection

Z-Checking offers the option of overdraft protection, which protects against high fees and embarrassment associated with "bounced checks." A check bounces when there is not enough money in your checking account to pay an item. You can select Z-Share, Z-Money Market or VISA Credit Card* to protect Z-Checking in the event funds are not available to pay an item.

• Overdraft transfers are made in $50 increments
• $.50 transfer fee is automatically debited from the Z-Checking account
• Z-Money Market and Z-Share overdraft transfers are limited to 6 per month
• Transfers exceeding the maximum will incur a fee equal to the current Non-sufficient Funds fee
• Non-sufficient Funds fee can be abbreviated as 'NSF' and is currently $12.00
• Overdraft transfers from a VISA Credit Card can be made up to the available line of credit
• Repeated excess transfers may result in the loss of overdraft privileges

The best way to prevent overdraft fees is to carefully balance your checkbook so you always know your current Z-Checking account balance.

* Must have parent or legal guardian as co-borrower if Zard member is under 18.