Overdraft Protection

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If you bank with us, your personal checking and money market accounts may automatically come with overdraft coverage for checks, recurring debit card payments, and bill payments.* 


Overdraft protection will help you stress less about spending and avoid negative balance fees. Contact us to learn more!

Supplemental Overdraft Protection Options

  • Overdraft Advantage (see Overdraft Services FAQ on https://www.ctbonline.com/resources/faqs/ for additional information)
  • Overdraft Advantage with ATM & Everyday Debit Card Transaction Overdraft Protection
  • Overdraft Protection Line of Credit
  • Account-to-Account Overdraft Transfer

Tips for Preventing Overdraft

  • Use online banking and mobile banking services to check balances frequently.
  • Set balance threshold alerts to notify you daily by email.
  • Quickly transfer funds from your phone using mobile banking.
  • Set up an automatic deposit to ensure that funds are promptly deposited into your accounts.
  • Record your activity in your checkbook and review monthly account statements.

*We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any type of overdraft transaction. Customer may waive automated paid overdraft services.