Overdraft Protection

Help ease your mind. Help prevent declined
transactions and save on overdraft fees.

Watch our video to learn how to help avoid overdrafts.

How it works:

  • Overdraft Protection links your eligible checking account with another Bank of America account such as a savings account, a second eligible checking account or even a credit card1
  • Available funds are automatically transferred to cover overdrafts from your account, provided you have sufficient funds available in the linked account
  • There is no cost to enroll. The $12 Overdraft Protection Transfer Fee only applies if the transfer is made.
  • There is no Overdraft Protection Transfer Fee for Bank of America Advantage Relationship Banking® and Advantage with Tiered Interest Checking, as well as for Preferred Rewards members.

Compare the potential fees
when overdrafts occur

Three automatic payments post the same day, and each results in an overdraft fee.

Without Overdraft Protection

Three overdraft fees are charged

Cost: $105

With Overdraft Protection

One Overdraft Protection Transfer Fee
covers all three transfers that day1
Cost: $12

How to set up Overdraft Protection

Log in to or enroll in Online Banking and select the
account you want to link.

For additional information on how to set up Overdraft protection, call 1-800-432-1000
or make an appointment to visit a financial center.

1 Overdraft Protection Transfer fees may apply. If your savings or eligible secondary account does not have enough available funds to cover the necessary amount, we may decline to make the transfer. Other fees may apply. Please refer to your Personal Schedule of Fees for details. If you enroll in Overdraft Protection with your credit card, overdraft transfers will be Bank Cash Advances under your Credit Card Agreement and will accrue interest at the APR stated in your Credit Card Agreement. A fee may apply to each transfer. Please refer to your Credit Card Agreement for additional details.

Please review the Personal Schedule of Fees also available at your local financial center.

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