Overdraft Coverage

  • We’ve all witnessed it. You’re standing at the checkout of your favorite supermarket. The cashier has just finished ringing up a buggy full of groceries for the customer in front of you. The person swipes their debit card, only to have the transaction denied because he or she doesn’t have enough money in their account. They swipe it again. And then you watch as the shopper leaves the store empty-handed. You know for sure you want to prevent this from happening to you. 

    With Bank Independent’s Overdraft Coverage, you avoid the inconvenience of having your card denied. But according to new federal regulations, you have to tell us that you want it! 



    How to Request Overdraft Coverage for Everyday Debit Card Purchases and ATM Withdrawals:

    • Click here to complete the form;
    • Call us at 877-865-5050; or
    • Stop by any of our convenient branch locations.

    Act now to avoid future inconvenience! Unless you opt-in, you have NO overdraft coverage on ATM withdrawals and everyday debit card purchases.* 

    We also offer overdraft protection plans, such as a link to another account with us or an overdraft line of credit. To learn more, ask us about these plans.

    If you have any questions, please contact us at 877-865-5050. We will be pleased to assist you in any way possible.

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    * Having Overdraft Coverage does not guarantee that we will pay your overdrafts. If you have coverage and we do pay your overdraft on checks, in-person withdrawals, ATM withdrawals, or other electronic means, you will be charged $34 for each overdraft item that we pay, with a maximum of ten charges per day.