Overdraft Transfer Service
We offer overdraft transfer service on your checking
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
Visa credit card
* to protect
your checking account in the event funds are not available to pay an item.
- Overdraft transfers are made in $50 increments1
- Overdraft transfer fee(s) waived on the first two days per year2
- Money Market and Z-Share overdraft transfers are limited to 6 per month3
- Transfers exceeding the maximum will incur a fee equal to the current Non-sufficient Funds fee
- 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 checking account balance
* Must have parent or legal guardian as co-borrower if Zard member is under 18.
1Overdraft transfers from home equity accounts are made in increments of $500.
2Overdraft transfer fees are waived for two separate days per year through
the Overdraft Fee Free Days Program. A $0.50 fee will be assessed per overdraft transfer
once the Overdraft Fee Free Days have been exhausted.
3Transfers exceeding the maximum will incur a fee equal to the current Non-sufficient Funds fee.
Repeated excess transfers may result in the loss of overdraft privileges.