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Which overdraft protection options are right for me?

Learn more about your overdraft coverage options to determine what type of coverage might work best to help you avoid overdrafts.

What it Covers
The Product How it Works

Checks and ACH Transactions

ATM and One-Time to Non-Recurring Debit Card Transactions

Recurring Debit Card Transactions

What it Costs Want it?
Link Your Accounts Do you have a City savings account or a second checking account? We can link your accounts so that if you happen to overdraw your checking account and funds are available in your linked account, we will automatically transfer funds from one account to the other. X X X There is no charge per transfer. However, if funds are not available in the linked account to cover an overdraft, a $36 overdraft fee will apply. Savings accounts are limited to 6 transactions per month and will be charged a $1.50 fee for each transaction in excess of 3 per month. Call or stop by your local branch to link your accounts. If you don't have a City savings account, we can help you open one here.
Overdraft Line of Credit* You may apply for a line of credit. Once approved, if you overdraw your account and funds are available, we will automatically transfer funds from your credit line into your checking account, up to your credit limit. X X X $25 Annual Fee, plus interest on the amount of the line you use. Call or stop by your local branch to apply for an overdraft line of credit.
Bounce Protection** If you write a check or make recurring payments and sufficient funds are not available in your account, City will strive to pay the intem(s). This can help you avoid costly returned check fees from merchants. X X If you have a transaction that causes an overdraft, you'll be charged $36 per overdraft whether the item is paid or returned. Qualifying accounts will automatically be enrolled. You can opt-out at any point using one of the methods below.
Bounce Protection Plus*** If you attempt a debit card transaction or an ATM withdrawl and sufficient funds are not available in your account, City will strive to authorize and pay the transaction. X If you complete a transaction that causes an overdraft, you'll be charged $36 per overdraft. This feature is available on your account only if you opt-in. You can opt-in or opt-out at any time using one of the methods below.

Link your accounts

How it works

Do you have a City savings account or a second checking account? We can link your accounts so that if you happen to overdraw your checking account and funds are available in your linked account, we will automatically transfer funds from one account to the other.

What it covers

  • Checks and ACH Transactions
  • ATM and One-Time to Non-Recurring Debit Card Transactions
  • Recurring Debit Card Transactions

What it costs

  • No charge per transfer
  • A $36 overdraft fee will apply if funds are not available in the linked account to cover an overdraft.
  • A $1.50 fee will apply for each transaction in excess of 3 per month
  • Savings accounts are limited to a total of 6 transactions per month.

Call or stop by your local branch to link your accounts.

Overdraft line of credit *

How it works

You may apply for a line of credit. Once approved, if you overdraw your account and funds are available, we will automatically transfer funds from your credit line into your checking account, up to your credit limit.

What it covers

  • Checks and ACH Transactions
  • ATM and One-Time to Non-Recurring Debit Card Transactions
  • Recurring Debit Card Transactions

What it costs

  • $25 Annual Fee, plus interest on the amount of the line you use

Call or stop by your local branch to apply for an overdraft line of credit.

Bounce Protection **

How it works

If you write a check or make recurring payments and sufficient funds are not available in your account, City will strive to pay the item(s). This can help you avoid costly returned check fees from merchants.

What it covers

  • Checks and ACH Transactions
  • Recurring Debit Card Transactions

What it costs

  • If you have a transaction that causes an overdraft, you'll be charged $36 per overdraft whether the item is paid or returned.

Qualifying accounts will automatically be enrolled. You can opt-out at any point using one of the methods below.

Bounce Protection Plus **

How it works

If you attempt a debit card transaction or an ATM withdrawal and sufficient funds are not available in your account, City will strive to authorize and pay the transaction.

What it covers

  • ATM and One-Time to Non-Recurring Debit Card Transactions

What it costs

  • If you complete a transaction that causes an overdraft, you'll be charged $36 per overdraft.

This feature is available on your account only if you opt-in. You can opt-in or opt-out at any time using one of the methods below.

What happens if I don't have any overdraft protection services?

Please know that we understand that mistakes happen. Sometimes you might write a check or initiate another transaction without having enough money in your account. At City, we'll waive the fees for the first two non-sufficient funds (NSF) items you incur during the life of your account. Beyond that, NSF items will be treated as follows:

If you write a check or make a recurring payment for more money than you have in your account, City will return the item unpaid and a $36 NSF fee will be assessed against your account.

If you attempt to make a debit card purchase or ATM withdrawal for more money than you have in your account, the transaction will be declined and no fee will be assessed.

Online Call Mail Visit

* Overdraft Line of Credit. Subject to credit approval. The line of credit is unsecured and the Annual Percentage Rate will be 18% and will not increase while the line is open.


**Customer Overdraft Policy. Not available on Bounce Back checking accounts or accounts enrolled in the Fresh Start repayment plan. An insufficient balance could result from 1) the payment of checks, electronic funds transfers, or other withdrawal requests; 2) payments authorized by you; 3) the return of unpaid items deposited by you; 4) the imposition of bank service charges; or 5) the deposit of items which, according to the bank’s Funds Availability Policy, are treated as not yet available or finally paid. Overdrafts are paid at the bank’s discretion and we reserve the right not to pay. However, if you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 30 days), and there are no legal orders outstanding, we may approve reasonable overdrafts as a non-contractual courtesy. The NSF fee(s) of $36 for each NSF item will be imposed when covering overdrafts created by check, in-person withdrawal, ATM withdrawal or other electronic means. You may opt out of the privilege at any time, but you are responsible for any overdrawn balances at the time of opting out. Normally, we will not approve an overdraft for you in excess of the pre-determined amount assigned to your account type, which includes the NSF fee(s) of $36 charged for each NSF item.

We may refuse to pay an NSF item for you at any time, even though we may have previously paid NSF items for you. You will be notified by mail of any NSF items paid or returned that you may have, however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft plus NSF fee you owe us shall be due and payable upon demand. If there is an NSF item paid by us on an account with more than one owner on the signature card, each owner and agent, if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our NSF fee.

You should note that Bounce Protection will not be included in your available balance provided by a teller, on your ATM receipt or through City National Bank’s online or 24-hour telephone banking systems; however, you will have access for withdrawal purposes through the ATM.


1 NSF (non-sufficient funds) fees apply thereafter. NSFs are paid at the bank's discretion.