Overdraft Maintain Minimum

• Reduces the risk of returned items due to non-sufficient funds by automatically maintaining a minimum balance on your account.
• Automatically transfers funds from one ESB account to a second ESB account when the second account falls below your pre-determined minimum balance.
• No sign-up fee or service fees!

Overdraft Transfers

• Supports prevention of returned items due to non-sufficient funds by automatically funding your ESB payment account with a transfer from a second ESB account owned by you.
• No sign-up fee
• $5 fee with each transfer
• Assists in avoiding costly NSF fees (subject to funds availability for the transfer)

Overdraft Line of Credit

• Protects incoming items from being returned when non-sufficient funds are available to clear the item.
• Funds are drawn from a pre-determined “Line of Credit” in increments of $100 and deposited into the account to allow incoming items to clear.
• The Overdraft Line of Credit is a loan product that is subject to credit approval. Finance charges apply on any unpaid principal balance and a $5 fee applies with each transfer. The available Line of Credit amount must be sufficient to cover the inclearing item for the transfer to take place.

• $25 annual fee.

Overdraft Line of Credit is available for consumer accounts only.