Overdraft Protection

Overdraft Protection provides short-term credit for unforeseen expenses and temporary cash shortfalls in your chequing account. It ensures cheques, withdrawals, pre-authorized payments, and debit card purchases are honoured up to a pre-arranged limit.

Benefits of Overdraft Protection

  • Protects you from incurring the cost of a returned item, such as an NSF cheque or pre-authorized debit
  • Convenient 24/7 access to your credit through the branch network, telephone, online and mobile banking, ATM/POS and cheques
  • A standard interest rate is charged only on the funds you use
  • Repaying is easy. As soon as you make a deposit to your account it will automatically be applied against your overdrawn balance
  • Minimum overdraft protection available of $500 and to a maximum limit of $4,999

Chargebacks / Overdrafts / Returned Items - Service Fees Expand/Collapse

Chargeback on CDN funds $5.00 CAD
Chargeback in US funds $15.00 USD
NSF overdraft $5.00
NSF return $40.00

Interest rate charged on overdrafts: 18% per annum


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