While we do not encourage overdrafts, we understand that unanticipated expenses or unforeseen problems can leave you with not enough money in your checking account. Our goal is to assist you in avoiding unexpected Overdraft or Return Item fees as well as the inconvenience of having transactions declined or returned unpaid. The information below is aimed at helping you understand the Overdraft coverage options we provide and how they may benefit you.

We encourage you to view our Account Alerts options developed to help you stay on top of your finances, our Account Management Best Practices for advice on how to manage your account as well as the External Online Resources we provide for additional financial education.

Castle Bank offers two layers of Overdraft coverage

Overdraft Protection

An optional account linked to your checking that can help secure your buying power and reduce bank fees and declined transactions. Money is advanced automatically in exact amounts when you need them, helping to keep your account from becoming overdrawn.

Overdraft Service1

Coverage for when your checking and linked Overdraft Protection account (if enrolled) does not have enough money available to cover a transaction. This tells us in advance how you would like us to consider paying transactions that will cause your account to become overdrawn.

Overdraft Protection Options

In the event your checking account doesn’t have enough money to cover a withdrawal, transfer or purchase, an optional linked Overdraft Protection account can advance funds automatically and in exact amounts to help keep your account from becoming overdrawn. This can help reduce Overdraft and Return Item fees while keeping buying disruptions to a minimum.

Line of Credit

Your eligible checking account can be linked to a Castle Bank line of credit. Money is transferred automatically from your line of credit, up to your available credit limit, to your checking to cover the exact amount needed if a transaction were to exceed your available checking balance. This option has no set-up fee, no transfer fee and no annual fee*!

Your APR will vary based on the Prime Rate plus a margin depending on your credit worthiness. To find out the APR range on the line of credit, please visit the Rates page on this website, stop by a branch or call Customer Service at 866-432-2310. Line of credit accounts have additional terms and conditions in place which will be mailed to you upon approval of the line of credit.

Savings Account

Your eligible checking account can be linked to a Castle Bank savings or money market account. Money is transferred (if available) automatically from your savings account to your checking to cover the exact amount needed if a transaction were to exceed your available checking balance. This option has no set-up fee, no transfer fee and no annual fee! Your checking account and linked savings account must have the same ownership (i.e. Single vs. Joint Ownership). Fees may apply on the related savings or money market account if the number of transactions goes over the withdrawal limits. See your account opening disclosures for more details.

Overdraft Service1 Options

In the event your checking account and linked Overdraft Protection account doesn't have enough money to cover a withdrawal, transfer or purchase, we may still honor your transaction, for a fee. Overdraft Service, available on eligible checking accounts, tells us in advance how you would like us to consider paying transactions that will cause your account to be overdrawn. Our consideration is based on the type of Overdraft Service you select and the manner in which you keep your account.

Standard Overdraft Service

This service comes standard with all eligible checking accounts. We will consider checks, automatic bill payments and other transactions using your account number for payment. You may be charged an Overdraft Item Fee of $33 for transactions that overdraw your checking account. If we return an item unpaid, we may charge a Return Item Fee of $33. This option does not include ATM or everyday non-recurring debit transactions, such as grocery store or one-time online purchases. If you would like us to consider these types of transactions for payment, please review the "Standard Overdraft Service Plus Debit Coverage" option.

Standard Overdraft Service Plus Debit Coverage

In addition to the transactions we will consider for payment with our Standard Overdraft Service, we will also consider for payment ATM transactions and everyday non-recurring debit card transactions such as grocery store or one-time online purchases. You must enroll in this coverage for us to consider these transactions for payment into overdraft. You may be charged an Overdraft Item Fee of $33 for transactions that overdraw your checking account. If we return an item unpaid, we may charge a Return Item Fee of $33.

Return All

We will attempt to return checks, automatic bill payments and other transactions using your account number that would overdraw your account and we may charge a Return Item Fee of $33. We will decline ATM transactions and everyday non-recurring debit transactions, such as grocery store or one-time online purchases, for payment and you will not be charged a Return Item Fee of $33. If you have set-up recurring debit card transactions (such as gym membership, insurance premiums, etc.), these transactions may still be paid and you may be charged an Overdraft Item Fee of $33 if your checking account becomes overdrawn. With this service it is important to note that additional fees may be charged by the merchants who have items returned to them unpaid.

How to Set-Up, Change or Cancel your Overdraft Coverage

You can set-up, change or cancel your Overdraft coverage at any time by logging in to your Online Banking account, visiting a branch or calling

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==> brands.overdraftPhone  [in template "MarketingWeb/internet_tip/shared-content-library/personal/banking/checking-accounts/overdraft-protection.fhtml" at line 97, column 256]

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FTL stack trace ("~" means nesting-related):
	- Failed at: ${brands.overdraftPhone}  [in template "MarketingWeb/internet_tip/shared-content-library/personal/banking/checking-accounts/overdraft-protection.fhtml" at line 97, column 254]
	- Reached through: #include "/MarketingWeb/internet_tip/...  [in template "site/personal/banking/checking-accounts/overdraft-protection.fhtml" at line 253, column 7]
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Java stack trace (for programmers):
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freemarker.core.InvalidReferenceException: [... Exception message was already printed; see it above ...]
	at freemarker.core.InvalidReferenceException.getInstance(InvalidReferenceException.java:131)
	at freemarker.core.EvalUtil.coerceModelToString(EvalUtil.java:355)
	at freemarker.core.Expression.evalAndCoerceToString(Expression.java:82)
	at freemarker.core.DollarVariable.accept(DollarVariable.java:41)
	at freemarker.core.Environment.visit(Environment.java:324)
	at freemarker.core.MixedContent.accept(MixedContent.java:54)
	at freemarker.core.Environment.visit(Environment.java:324)
	at freemarker.core.Environment.include(Environment.java:2072)
	at freemarker.core.Include.accept(Include.java:167)
	at freemarker.core.Environment.visit(Environment.java:324)
	at freemarker.core.MixedContent.accept(MixedContent.java:54)
	at freemarker.core.Environment.visit(Environment.java:324)
	at freemarker.core.Environment.process(Environment.java:302)
	at freemarker.template.Template.process(Template.java:325)
	at freemarker.ext.servlet.FreemarkerServlet.process(FreemarkerServlet.java:725)
	at freemarker.ext.servlet.FreemarkerServlet.doGet(FreemarkerServlet.java:642)
	at javax.servlet.http.HttpServlet.service(HttpServlet.java:624)
	at javax.servlet.http.HttpServlet.service(HttpServlet.java:731)
	at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:303)
	at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
	at org.apache.tomcat.websocket.server.WsFilter.doFilter(WsFilter.java:52)
	at org.apache.catalina.core.ApplicationFilterChain.internalDoFilter(ApplicationFilterChain.java:241)
	at org.apache.catalina.core.ApplicationFilterChain.doFilter(ApplicationFilterChain.java:208)
	at org.apache.catalina.core.StandardWrapperValve.invoke(StandardWrapperValve.java:218)
	at org.apache.catalina.core.StandardContextValve.invoke(StandardContextValve.java:110)
	at org.apache.catalina.authenticator.AuthenticatorBase.invoke(AuthenticatorBase.java:498)
	at org.apache.catalina.core.StandardHostValve.invoke(StandardHostValve.java:169)
	at org.apache.catalina.valves.ErrorReportValve.invoke(ErrorReportValve.java:103)
	at org.apache.catalina.valves.AccessLogValve.invoke(AccessLogValve.java:962)
	at org.apache.catalina.core.StandardEngineValve.invoke(StandardEngineValve.java:116)
	at org.apache.catalina.connector.CoyoteAdapter.service(CoyoteAdapter.java:445)
	at org.apache.coyote.ajp.AjpProcessor.process(AjpProcessor.java:190)
	at org.apache.coyote.AbstractProtocol$AbstractConnectionHandler.process(AbstractProtocol.java:637)
	at org.apache.tomcat.util.net.JIoEndpoint$SocketProcessor.run(JIoEndpoint.java:316)
	at java.util.concurrent.ThreadPoolExecutor.runWorker(ThreadPoolExecutor.java:1149)
	at java.util.concurrent.ThreadPoolExecutor$Worker.run(ThreadPoolExecutor.java:624)
	at org.apache.tomcat.util.threads.TaskThread$WrappingRunnable.run(TaskThread.java:61)
	at java.lang.Thread.run(Thread.java:748)