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Overdraft Protection Options

What Is An Overdraft?

An overdraft occurs when an item is presented for payment and you do not have sufficient funds in your account to cover it. Using one or more of the overdraft protection options below can help prevent overdraft fees on your account.

Building Your Knowledge
Debt can happen and we're here to help. Learn more about how managing your debt can help you reach your financial goals.

Managing Your Money
Monitoring your account is a great way to help prevent overdrafts. CSB has a couple of ways you can easily keep tabs on your account. 

Checking Your Balance
You can view your current and available balances at any time via Online Banking or Mobile Banking or at any of our ATM locations
 

Setting Alerts
Easily set up alerts in Online Banking to check your balance, notify you of the minimum balance you set, or when there’s a large withdrawal or deposit. 
 

Our Overdraft Protection Options1
Get peace of mind and help prevent overdraft fees, a declined debit card transaction, or a returned check with any of these options. 

The finer points:

  • More convenience while you shop or in the case of an emergency
  • Potential access to funds when you overdraw your account2
  • Can help protect against a record keeping error
     

Overdraft Protection from Savings3

This service transfers funds automatically from your savings or money market account to cover you if there’s not enough money in your checking account, up to the available balance2 in the linked account.

You may also combine both Overdraft Protection from Savings and an Overdraft Line of Credit for even more coverage.4

To learn more about our Overdraft Protection from Savings or Overdraft Line of Credit, please visit your local branch or give us a call at 888.418.5626.

Overdraft Line of Credit5

This service transfers funds automatically to your checking account when an overdraft occurs, up to the available limit3 of the line of credit.

To learn more about our Overdraft Line of Credit, please visit your local branch or give us a call at 888.418.5626.

Debit Card Opt In Protection6

Our debit card comes with the ability to opt in for CSB to authorize and pay overdrafts on non-recurring debit card transactions– even if there isn’t enough money in your account to cover them. 

If you would like to opt in for non-recurring debit card overdraft protection, please fill out the Overdraft Service Information form.