Using your own money should be easy.
*Use Any ATM Surcharge Reimbursement
*** Paper Statement Fee
Sign up for E-statements through Online Banking to have the Paper Statement Fee waived.
Automatically transfer funds from your statement savings or tiered statement savings account to your checking account to prevent an inadvertent overdraft. You'll save because the cost is only $5 each day that a transfer is made regardless of the number of checks processed that day. The usual overdraft charge is $30 charge for every check returned for insufficient funds.
Checking Line of Credit
Automatically transfer funds when you need it from a line of credit that is linked to your account. There is no transfer charge, although you pay interest for using the line of credit. The line of credit can be used as a reserve in the event of an overdraft, or as a borrowing account.
Sign up for Courtesy Pay. Instead of declining or returning an item for insufficient funds, we may, at our option, pay for transactions up to a total of $800 when there isn't enough money in your account. There is a $30 charge for each item paid, which is the same fee you would pay if the item had been declined or returned. You must have an active account in good standing. Ask a Customer Service representative to learn how you qualify and for a copy of the Overdraft Privilege Service Policy.