Everyone makes errors.
Sometimes, a mistake could lead to a returned item or an overdrawn account. You can protect yourself from overdrafts and the fees that come with them, which is good news.
Overdraft protection is a great way to escape late fees and returned checks, which can cost a lot of money. There are no transfer fees. If you need extra help, our overdraft privilege program can pay for your transactions temporarily so you don't have to worry about not having enough money.
If you don't have enough money in your checking account, Jetstream will automatically offer eligible account users the Overdraft Privilege, which is a service they can choose to use to pay bills. You can only use the overdraft privilege if you don't have enough money in your bank account or have already used up all the money in your overdraft savings or line of credit.
With Overdraft Privilege Plus, you can use your debit card at ATMs and make everyday purchases with it. Under the rules in place now, all members must choose to use Overdraft Privilege Plus. If you don't opt in, transactions that cost more than what you have in your account will still be denied. You can opt-out at any time. To sign up, you can call us or stop by one of our branch sites.
Did you know that it is FREE?
You can keep from going overdrawn on your bank account by linking it to a savings or money market account.
Lines of credit can also keep a checking account from going overdrawn. Based on your APR, interest will be added to the loan, but there are no fees for this. Either a personal line of credit or a home equity line of credit can keep you from going overdrawn.
Important Information Regarding Overdrafts and Your Account
Learn more about how temporary holds affect your account balance.
A returned item is when we decline a transaction you’ve made because it exceeds your available balance. You may need to deposit funds to cover the amount of the item in the event it is presented to us for payment again. This will also help avoid the merchant from potentially canceling your goods or services and charge you a fee.