Overdraft Protection Options

Advia offers many ways to help avoid overdrafts and ensure your transactions process correctly.

Assurance Checking can be considered an alternative Checking option to further protect yourself from unwanted overdrafts on your account. Courtesy Pay does not apply to this account.

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Advanced Line of Credit can be used as overdraft protection or simply for extra cash when needed, ranging from $500 to $30,000 (subject to a service charge when accessed as an overdraft transfer).

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Allow the transfer of funds from another share or Advanced Line of Credit to your Checking in the event your Available Balance is not sufficient to cover your transaction (subject to a service charge).

In Digital Banking, select Preferences > Overdraft Preferences from the menu to get started.

Apply for a Line of Credit Select Via Digital Banking

Courtesy Pay is an automatic, discretionary service for account holders in good standing (subject to a service charge). In the event your Available Balance is not sufficient to cover your checks, internet bill payments, and other pre-authorized payments, this service may help ensure the transaction is paid.

To allow Courtesy Pay to cover insufficient one-time Debit and ATM Card transactions, however, you must opt-in. In Digital Banking, select Cards > Overdraft Opt-In from the menu.

Opt in via Digital Banking
Line of credit and account to account transfers as well as Courtesy Pay subject to applicable service charges when initiated by an overdraft. Courtesy Pay also is subject to periodic account review to assess eligibility.