How to Avoid Overdrafts

Understanding Overdrafts

What Is an Overdraft?

An overdraft happens when you don't have enough money in your checking account to cover a purchase, check, debit card transaction, or automatic payment. Depending on the transaction and your account settings, the payment may be covered or declined, and an overdraft or non-sufficient funds (NSF) fee may apply.

Tips to Help Avoid Overdrafts

Monitor Your Account Balance
Keep track of your available balance and any outstanding checks, debit card purchases, or automatic payments.

Set Up Account Alerts
Enroll in Online Banking and enable low-balance and transaction alerts to stay informed about your account activity.

Know When Payments Are Due
Be aware of when recurring payments—such as your mortgage, rent, utilities, subscriptions, or loan payments—are scheduled to come out of your account.

Use Overdraft Protection
Link your savings account to your checking account for overdraft protection. If your checking account balance is insufficient, funds can automatically transfer from your linked savings account. A small transfer fee may apply, but you'll avoid an overdraft fee.

We're Here to Help
If you have questions about overdraft protection or need assistance managing your account, our team is happy to help. Call us at (936) 639-3201 or stop by your nearest Angelina Savings Bank location.

Bank with confidence, backed by local people who are here when you need us.