What is Overdraft Protection?

An overdraft occurs when you do not have enough available balance1 in your account to cover a transaction (subject to the applicable fee).

  • Overdraft Transfer Service give you peace of mind should you accidentally overdraw your account by using funds in your other BluPeak deposits accounts or line of credit loans to pay the item.

Here’s how it works. You select which accounts and which order you want us to use when accessing your other funds. For example, you can set the overdraft to pull from your savings account first and then your line of credit loan.

This service is subject to the available balance in your designated savings account and is subject to a $10 fee per item for savings transfers and subject to the available loan balance (the unused available credit line) and interest begins accruing at the time of advance for loan transfers.

To learn more or set up Overdraft Transfer Service, call us at 866.873.4968, send a secure message through online banking or visit a branch location.

  • Courtesy Pay Overdraft Service is an additional option to minimize the inconvenience and cost associated with overages. With Courtesy Pay Overdraft Service, we cover overdrafts on ATM and everyday debit card transactions, checks, ACH and other electronic transactions made using your checking account number.

Each covered item will incur a fee of $24 for each item, subject to the daily maximum of fees per day combined Courtesy Pay and NSF.  A fee is not charged if the resulting available balance is less than $20 negative.

To learn more or set up Courtesy Pay Overdraft Service, call us at 866.873.4968, send a secure message through online banking or visit a branch location.


Please note Overdraft Transfer Service and Courtesy Pay Overdraft Service are separate services. You must Opt-in to the specific program to activate the protection.




1 The “available balance” is used to determine whether your account is overdrawn, that is, whether there is enough money in your account to pay for a transaction. Importantly, your “available” balance may not be the same as your account’s “actual” balance. This means an overdraft or an NSF transaction could occur regardless of your account’s actual balance.  Your account’s actual balance (sometimes called the ledger balance) only includes transactions that have settled up to that point in time, that is, transactions (deposits and payments) that have posted to your account. The actual balance does not include outstanding transactions (such as checks that have not yet cleared and electronic transactions that have been authorized but which are still pending). The balance on your periodic statement is the ledger balance for your account as of the statement date. As the name implies, your available balance is calculated based on the money “available” in your account to make payments. In other words, the available balance takes ACH credit transactions and debit card transactions that have been authorized, but not yet settled, and adds or subtracts them from the actual balance. In addition, when calculating your available balance, any “holds” placed on deposits that have not yet cleared are also subtracted from the actual balance.