Overdraft Protection

With Courtesy Pay^SM, we will generally cover checks and other transactions made using your checking account number.

• We'll also cover automatic bill payments.
• Unless you specifically ask us to, we won't cover ATM transactions or everyday debit card transactions.
• We'll charge you a $35^* per item, one time per item.¹
• See Courtesy Pay disclosure for additional eligibility requirements and details.

You can set up automatic transfers from your savings or Money Market account to cover checking account shortfalls.

• Or you can use an established business line of credit account or fund transfer from a designated asset account.
• We'll charge you $10² for each transfer to pay an item from your linked Beacon Bank deposit account.
• No fees charged for returning unpaid items.

Apply for an overdraft protection line of credit.

• Overdraft Line of Credit automatically transfers money to cover checking account shortfalls.
• This personal line of credit is subject to credit application and approval.

• Set Balance Alerts in Online & Mobile Banking to know when you're approaching a low balance.
• Enroll in direct deposit within Online & Mobile Banking with our easy switching tool, Pinwheel.
• Ask your payees to change bill due dates to align with when you get paid.