Overdraft Protection

Mistakes happen! Maybe you forgot about an ATM withdrawal, expected a deposit to arrive sooner, or simply lost track of how much money was available in your checking account. When you don’t have enough money in your account to cover a transaction, an overdraft occurs. No matter what the reason, overdrafts can be an embarrassing and costly mistake.

Interior Federal understands, and we’re here to help you avoid account overdrafts. You have the option to choose between our standard overdraft privilege and our overdraft protection plan options.


Your checking account comes with our standard overdraft privilege. We will authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

You can also request that we authorize and pay overdrafts for the following types of transactions:

  • ATM transactions
  • Everyday debit card transactions

We will charge you a Overdraft Privilege Fee of $28 each time we pay a transaction due to insufficient funds, and there is no limit on the total fees we can charge you for overdrawing your account.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

If you would like Interior Federal to authorize and pay overdrafts on your everyday ATM and debit transactions, please log in to online banking, Secure Forms, and select Opt In/Out for Overdraft Services.

for uh-oh moments

You can also choose to link your checking account to your savings account or personal line of credit to protect yourself against checking account overdrafts. This protection plan may be less expensive than relying on our standard overdraft privilege.

  • Available up to your predetermined credit line (not to exceed $25,000)
  • Funds are automatically transferred to your checking account
  • No charge to set up
  • Pay interest only on the advanced loan amount


For additional information or assistance, please call us at 800-914-8619.

See our Overdraft Privilege Disclosure.

Digital Banking

Personal Line of Credit

loansYou can use a Personal Line of Credit as overdraft protection.

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