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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. 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. You can change your overdraft coverage at any time by contacting your local branch or our Customer Service Center at (800) 522-4167. 

An overview of our Consumer Overdraft Services is listed below. Please review our Consumer Overdraft disclosure for full details on available overdraft services, their associated fees, and the order in which they will be used should you enroll in multiple services.

 

Consumer Overdraft Services

Account Link

Account Link attaches your checking account balance with an eligible secondary account held by Columbia Bank, usually a savings account, money market account, or a secondary checking account. If your checking balance cannot cover an incoming item, Account Link transfers funds from your secondary account to your overdrawn checking account in $100 increments. When you enroll in this service, it will be used before all other overdraft services that may be attached to your account. Enroll by contacting your local branch.

A fee applies each time you use this service.

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CheckRight Overdraft Line of Credit

If you have an unexpected shortage of funds, your overdraft line of credit covers transactions that exceed the balance in your checking account. This can be very cost-effective if outstanding balances are paid shortly after the overdraft occurs. Refer to your credit line agreement for information on interest rates. In the event you have multiple overdraft services, this option will be used after our Account Link service, but before our Premium Overdraft Service. Not available on Forward Checking or Peach Tree accounts. Enroll by contacting your local branch or by applying online.

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Premium Overdraft

Premium Overdraft is a courtesy overdraft service available for consumer checking accounts in good standing. You can elect to remain in this service at account opening so that in the event of an overdraft, we pay automatic bill payments, checks, and ACH payments up to your account's overdraft limit. In the event you have multiple overdraft services, this option will always be used last. Not available for Forward Checking Accounts. Additionally, if you have previously opted out of Premium Overdraft, enroll by contacting your local branch. You may need to sign a new Overdraft Election Form. 

A fee applies each time you use this service.

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Debit Card Opt-In

This additional service authorizes Columbia Bank to pay ATM transactions and one-time debit card transactions when you do not have enough money in your account. When you choose to opt-in to this service, one-time debit card and ATM transactions will be included in your Premium Overdraft limit. Not available for Forward Checking accounts and you cannot enroll in this service unless you are enrolled in Premium Overdraft. Enroll by contacting your local branch. You will need to sign a new Overdraft Election Form.

A fee applies each time you use this service.

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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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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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