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Count On Us To Look Out For You With Consumer Overdraft Services

Consumer Overdraft Services


What Is An Overdraft?

An overdraft occurs when you don’t have enough money in your checking account to cover an item presented against your account. When this occurs, a courtesy cushion may be extended to cover your item. In some cases, the Bank may choose to return the item, leaving your item unpaid. Regardless of the outcome, Overdraft services can help cover items when insufficient funds are available or when mistakes happen.

 

Your Options

Columbia Bank offers several services to clients in order to assist you when unanticipated expenses or simple mistakes leave you with too little cash in your checking account. At account opening, you will be asked to choose your overdraft coverage and any applicable services. You can change your overdraft coverage at any time by contacting your local branch or our Customer Service Center at (800) 522-4167. You must return a signed, amended Consumer Overdraft Coverage form to update your coverage. An overview of our Consumer Overdraft Services is listed below. 

Please review the Consumer Overdraft Disclosure linked below.

Premium Overdraft

A courtesy overdraft cushion is available for consumer checking accounts (excludes Forward Checking)

Non-Premium Overdraft

The Bank may choose to pay certain items presented against your account. When you opt-out of Premium Overdraft, the Bank will decision any items that may overdraw your account

Account Link

Link your checking account to an eligible secondary account held by Columbia Bank, that will transfer funds when your checking account may become overdrawn

Avoiding Overdrafts

The best way to avoid an overdraft is to responsibly manage your finances. Columbia Bank offers services that make it easy and convenient to manage your item. Some of our services include:

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TRACK YOUR BALANCE

Keep track of payments like rent, your mortgage, or utilities and when they will be debited. Utilize Online and Mobile Banking to view your account activity and balance.

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ACCOUNT
ALERTS

Receive a text or email when your account balance falls below an amount you define. Set up account alerts through our web version of Online Banking.

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SCHEDULE TRANSFERS

You know your spending habits best. Schedule transfers from an alternative account when you anticipate your balance to be low.

Consumer Overdraft Disclosure Find A Branch
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You will be linking to another website not owned or operated by Columbia Bank. Columbia Bank is not responsible for the availability or content of this website and does not represent either the linked website or you, should you enter into a transaction. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Columbia Bank of any information in any hyperlinked site. We encourage you to review their privacy and security policies which may differ from Columbia Bank.

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Investments are NOT FDIC Insured, not Bank guaranteed, not a deposit, and not insured by any federal government agency. Investments may lose value.

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Automatic Translation Disclaimer

To help visitors understand information on this website in a variety of languages, Columbia Bank offers GoogleTM Translate, an unaffiliated third party service, which automates translation of the website. The GoogleTM Translate automated translation tool is not perfect and should not be relied upon. Automated translation may miss context, the full meaning may be lost, or words, phrases or sentences may be inaccurately translated. In addition, to the extent GoogleTM Translate caches and presents older versions of the Columbia Bank website content, that is beyond the control of the Columbia Bank site and its operators who accept no responsibility or liability for the outdated translation.

As a result, Columbia Bank does not make any promises, assurances, or guarantees as to the accuracy of the translations provided or the accuracy of the converted text. Columbia Bank and its affiliates disclaim and will not accept any liability for damages or losses of any kind caused by or arising out of the use of or reliance on the Google Translate feature. Where there is any question, the English version is always the authoritative version of the website.

Some items on the site may not be translated such as images containing text, documents, maps, and web page elements. In addition, some features on the site may not work in the translated versions. If you have any questions about information that appears on our site, please contact us.

Please be advised that deposit and loan disclosures and contractual documents will only be provided in English.

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