Overdraft Protection

Courtesy Pay^SM is our discretionary overdraft service. 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
• Covers up to $300 for personal checking accounts and $500 for business checking accounts.
• A one-time $35 continuous overdraft fee² is applied after five consecutive business days of being overdrawn.
• No fee for items we return unpaid for consumer checking accounts.

Please restore a positive account balance as quickly as possible, and keep in mind, we're not promising to always pay your overdrafts with this discretionary service. Not all accounts are eligible, and some restrictions apply.

See Courtesy Pay disclosure for additional eligibility requirements and details.

Set up automatic transfers:

• From your qualifying Beacon Bank Deposit Account - Checking, Savings, or Money Market.
• Or you can use an established line of credit account.
• We'll charge you $10³ for each transfer to pay an item from your linked Beacon Bank deposit account.
• No fees charged for returning unpaid items for consumer accounts.

Apply for an Overdraft Line of Credit

• Overdraft Line of Credit automatically transfers money to your checking account to avoid declined transactions.
• This line of credit is subject to approval after submitting a credit application.

• 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.