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透支保护

Four layers of defense to protect your 账户s.

Sign up for 透支特权扩展保险范围 链接一个现有元素帐户

或打电话 1-800-621-2105

透支保护

Peace of mind and flexibility should an overdraft occur.

保护你的账户的四种方法

  1. 从另一个账户转账Link two deposit 账户s so money automatically transfers from one 账户 to the other to match the exact amount of your overdraft. 
  2. 从信用额度转账 Open an EZ信贷额度 so money automatically transfers from the line of credit to match the exact amount of your overdraft.
  3. 透支特权标准覆盖 — 元素 authorizes and pays overdrafts from checks and automatic bill payments. We will charge you a fee of up to $32 each time we pay an overdraft.
  4. 透支特权扩展保险范围 — Includes 透支特权标准覆盖, plus coverage for overdrafts on ATM and everyday debit card transactions that exceed your available balance.

什么是透支?

一对夫妇在付账单

An overdraft occurs when you do not have sufficient available funds (Available Balance) in your 账户 to cover a transaction, 但是我们付了钱, 无论如何, 收费的. 

根据我们的标准透支惯例, we will charge you a fee of up to $32 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your 账户.

我们酌情支付透支款, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

Important information regarding overdrafts is located in the 账户协议.

What standard overdraft coverage comes with my 账户?

一个女人把杂货装进她的后备箱

元素 authorizes and pays overdrafts from checks and automatic bill payments. We will charge you a fee of up to $32 each time we pay an overdraft. 以避免透支费用, you can set up an auto-transfer of money from one of your 元素 账户s to the other to match the exact amount of your overdraft. 

如何设置透支自动转帐

 

元素 does not authorize and pay overdrafts for ATM transactions and everyday debit card transactions unless you ask us to by signing up for 透支特权扩展保险范围

了解更多关于扩展保险的信息

 

如果你有 元素学生边缘检查 账户, you will never be assessed an overdraft fee—a helpful feature for students learning how to manage their money.

How do I set up auto-transfer of money from another 账户? (这些转账不收费!)

A family of three talking in the produce department

This easy solution allows you to borrow from yourself as needed. You simply link your 元素 checking or savings 账户 to another 元素 deposit 账户, and money automatically transfers to match the exact amount of your overdraft. 这些转账是不收费的.

接触元件 1-800-621-2105 请协助连接您的帐户.

 

Auto-transfer covers overdrafts from checks and automated bill payments; it does not cover overdrafts due to ATM or debit card transactions. For coverage of ATM and everyday debit card transactions, considering signing up for Extended Coverage with Overdraft Privilege.

了解更多关于扩展保险的信息

When does it make sense to set up transfer of money from a Line of Credit?

An older couple buying breakfast at a cafe counter

您可以建立一个元素 EZ信贷额度 to have money set aside for unexpected expenses, such as an overdraft. Once the money is transferred away from the EZ信贷额度, you have a monthly payment of $25 or 3% of the outstanding balance whichever is greater. Money automatically transfers from your EZ信贷额度 to match the exact amount of your checking 账户 overdraft. Your credit line can be between $500 and $3,500, and your overdraft coverage would be up to the limit you have established. You don’t pay interest on a line of credit until or if you take money from it, so this can act as a good safety net for those unexpected expenses.

There is no fee for the advance from an EZ信贷额度, but interest is charged on the outstanding balance.

首先, 接触元件at 1-800-621-2105 to apply for the EZ信贷额度 and connect the line of credit with your checking 账户 to establish overdraft protection.

了解更多关于EZ信贷额度

What are the additional benefits of signing up for 透支特权扩展保险范围?

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透支特权扩展保险范围 covers overdrafts from checks and automated bill payments, plus ATM and everyday debit card transactions. This comprehensive coverage allows you to proceed with ATM and debit card transactions that overdraw your 账户 up to the disclosed limit in order to pay a transaction. 没有延长保险, your ATM and debit card transactions would be declined if you don’t have sufficient funds in your 账户.

A $32 fee applies each time you use this service.

You must let us know if you wish to have Extended Coverage. 在线报名,参观分公司,或打电话给我们 1-800-621-2105.

签署延长保险

I love that 元素 helps me avoid being charged extra overdraft fees on my 账户s!

——卡森·D. | 2004年加入
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EZ信贷额度 — The easy way to access cash

An 元素 EZ信贷额度 can be used as overdraft protection on your 元素 checking 账户. Interest is charged on the outstanding balance.

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