What is overdraft protection, and how do I apply for it?

Overdraft protection is a discretionary service that may help you avoid declined transactions by automatically transferring funds from a linked account when you accidentally overspend. Overdraft protection is available on most checking accounts. It is not available on savings account or any account owned by a minor. You can start overdraft protection by requesting that we link a transactional account to your checking account.

If you have sufficient funds in your linked account(s) for overdraft protection, your transactions will be approved. If not, your transactions will be declined, unless you have available funds from an overdraft line of credit. Available funds in your linked account(s) will be used to pay transactions on your checking account and help you avoid overdrafts or returned items. A single account linked overdraft protection transfer fee will be assessed, regardless of the number of transactions we paid from your account that day. 

Fremont Bank offers a variety of services that can help you manage your accounts and avoid debit card declines. You can opt-in to debit card overdraft services here. We encourage you to consider the lower-cost services first. We further encourage you to contact us  to discuss all of our overdraft protection solutions and determine which one is the best fit for you.