We want to make your financial life as hassle-free as possible, which is why we help you avoid the frustration of overdrafts and the complications they cause.
Overdraft programs let you avoid high charges from merchants for returned checks and have new convenience and flexibility in managing your funds.
We offer three convenient options:
Transfer from Savings Account
You may sign up for our Transfer from Savings Account service. A Savings Maximizer savings account or Golden Oak Money Fund account may be linked to a checking account to provide overdraft protection.
Line of Credit
You may apply for our Line of Credit overdraft protection service. Community Cash* is available to personal checking account holders; a Golden Oak Business Reserve* is available to business checking account holders.
Per the terms of your existing Checking Account Agreement, you may automatically qualify for our standard overdraft service.
*Subject to credit approval.