Looking out for the needs of our customers is one of our top priorities. That is why we offer products such as Savings to Checking Overdraft Protection. You no longer have to pay high overdraft fees, or high interest rates on lines of credit. We are looking out for your financial success!

Protect yourself against overdrafts using your own savings account. This feature can be added to any checking account. If your checking account balance falls below zero we will automatically transfer funds from your savings account to cover the shortage. The fee for this service is $5.00 per daily transfer. A substantial saving in overdraft fees and you can be assured that your checks will be covered. Ask a Customer Service Representative today about adding this feature to your checking account.

Please note: We can set this up as a checking to checking transfer as well. This feature is not meant as a means of carrying a zero balance checking account. Regular per items fees will apply as listed below.

Statement Savings & Youth Savings will be assessed a $1.00 Per Debit Fee for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of the account) in excess of three during a statement cycle or calendar month.

Insured Money Market Accounts will be assessed a $10.00 Per Debit Fee for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of six during a monthly statement cycle.  Withdrawals or Transfers from an IMMA Savings account to another account or to third parties by preauthorized, automatic, telephone order or instruction, or by check, draft, debit card of similar order are limited to six per statement cycle.

A Personal Ready Reserve loan can save you money by automatically transferring funds into your checking account when you need it. Funds are transferred from your Personal Ready Reserve loan to your checking account when your checking balance falls below a level set by you. Personal Ready Reserve is perfect for people on the run.

• No fees for loan advances.
• No annual maintenance fees.
• No fees for unused balances.
• You can pay off all or any part of your outstanding balance at any time without penalty.

When you use your Personal Ready Reserve, your finance charge will begin to accrue when an advance is made to your checking account. We will apply a daily periodic rate of .04931% to the “principal balance” of your loan account. This is equal to an ANNUAL PERCENTAGE RATE of 18%.

To add this feature to your checking account, contact one of our lenders today at (651) 462-7611.