 Optional Services>Overdraft Protection Services
At Sterling Savings Bank, we want to help you avoid the hassle and worry of an overdraft. That’s why we provide many overdraft protection options to fit your needs.
Balance Shield
Balance Shield is a special feature that enables us to approve your purchases and transactions at our discretion even if there is not enough money in your account. Your checking account automatically has Balance Shield available for checks and bill payments when you have insufficient funds. You can choose to extend this service to cover overdrafts on your ATM and Check Card purchases. No need to worry about not having enough cash in your account. Also, no interest is charged on the overdraft balance.
Link to Savings
Another overdraft protection option is a link to one of your other accounts. Just link your checking account to another deposit account (savings, money market or checking) and we do the rest. In the event that your account becomes overdrawn, we move money from your linked account to your checking account to cover your expenses.
Line of Credit
Avoid the cost, stress and hassle of overdrawing your checking account with one of our line of credit options. We transfer the funds to cover your account directly from your line of credit.
Cost
Overdraft Protection |
Paid Item Fee |
Balance Shield1 |
Standard Overdraft
Paid Item fee of $32
for each item |
Link to Savings |
$7.50 transfer fee/per
transfer |
Line of Credit2
(includes regular lines
of credit as well as home
equity lines of credit) |
Current interest rate3 |
 Stop by your local branch today to speak with a knowledgeable banker about which overdraft protection service best suits your needs.
1Overdrafts may be created by check, ATM or check card, in-person withdrawal, transfer or other electronic means. A $32 overdraft paid item fee will be charged to your account each time an overdraft item is paid. Overdrafts will not be paid on ATM and everyday check card transactions unless you ask us to. Once your account becomes overdrawn, you are obligated to bring your account to a positive balance promptly. Whether your overdraft will be paid is at our discretion and we reserve the right not to pay.
2Subject to credit approval.
3In addition to interest charged, these products may have additional fees. Please see our personal banking fee schedule for more information.
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