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Overdraft Protection

Protect yourself from “bounced” check fees by designating an account for overdraft protection.

If you withdraw more than is available in your checking account, your Overdraft Protection Account automatically transfers the exact amount needed to cover the transaction up to your available funds or credit limit.

Choose from 2 Overdraft Protection Options:

Visa Credit Cards with Overdraft Protection
Visa Credit Card with Overdraft Protection
(Applies for Personal Accounts only)
  • No transaction fee; No cash advance fee.*
  • The interest rate on overdraft protection transfers is the same low rate as credit card purchases.
  • Unlimited number of transfers.

Easy steps to activate Visa Overdraft Protection:

  1. If you do not have a Visa Credit Card, **
  2. Fill out the Overdraft Election Form
  3. Mail the Overdraft Election form to
    PO Box 9004, Boulder, CO 80301
    or drop off the form at any branch location.
*An overdraft protection transfer will show as a cash advance on your statement.
**Credit qualification and age 18 or older required for all credit cards. See the Visa Credit Card Disclosures for complete terms and conditions.


Savings Accounts with Overdraft Protection
Savings Account with Overdraft Protection
  • No annual fee; No transaction fee; No interest payment.
  • Designate a primary savings account or an alternate savings account.
  • Must maintain a minimum balance of $25 in your primary savings account.
  • Limit of 6 transfers per month.

Easy steps to activate Savings Account Overdraft Protection:

  1. Fill out the Overdraft Election Form
  2. Mail the Overdraft Election form to
    PO Box 9004, Boulder, CO 80301
    or drop off the form at any branch location.