Automatic Overdraft Service

You can link your checking account to another Carter Bank checking or savings account. When your balance runs short, a transfer is made in $100.00 increments based on available funds to cover the overdrawn amount. An Overdraft Transfer Fee applies for each transfer.

Automatic Overdraft Service is a discretionary service that is automatically applied to eligible checking accounts. When a transaction overdraws your account, an Insufficient Funds Charge applies for each occurrence. Your overdraft limit may vary daily, and you may opt out at any time.

Eligible transaction types vary by account type:

• Personal accounts include checks, ACH transactions, and recurring debit card transactions at enrollment. Coverage for ATM withdrawals and everyday debit card transactions requires your consent. To learn more or provide consent, view the consent form. 
• Business accounts include checks, ACH transactions, recurring debit card transactions, ATM withdrawals, and everyday debit card transactions at enrollment.