Designed to Help You Stay One Step Ahead
Unexpected expenses happen—and when they do, Minuteman Overdraft Protection helps you stay in control. This personal line of credit is linked directly to your checking account, providing a reliable safety net when your balance falls short.
Instead of returned items or multiple overdraft fees, Minuteman Overdraft Protection can automatically advance funds to cover eligible transactions, helping you manage short‑term cash flow gaps with confidence.
How Minuteman Overdraft Protection Works
Minuteman Overdraft Protection is a revolving line of credit connected to your checking account.
When your account doesn’t have enough available funds to cover a check, debit card transaction, or ACH payment, available credit may automatically transfer to your checking account to cover the difference—up to your approved credit limit.
You borrow only what you use and repay it over time, making it a flexible option for occasional needs.
Key Benefits
A Smarter Alternative to Overdraft Fees
Help reduce the risk of returned items and multiple overdraft fees when eligible transactions are covered by your line of credit.Automatic Coverage
No need to take action at the register or online—transfers occur automatically when needed.
Flexible Access to Funds
A revolving line of credit means funds become available again as you repay your balance.
Predictable Repayment
With structured payments, you know what to expect—and can plan accordingly.
Peace of Mind
Confidence knowing you have backup support when unexpected expenses arise.
Ideal For
- Covering short‑term cash flow gaps
- Managing unexpected expenses
- Avoiding declined transactions or returned payments
- Customers who want an added layer of account protection
Important Things to Know
- Minuteman Overdraft Protection is a credit product and is subject to credit approval.
- Interest accrues on any outstanding balance.
- Minimum payments are required.
- The product works best for occasional, short‑term use, not ongoing financial needs.
A member of our team will happily review terms, fees, and repayment details with you before you apply.
Let’s Get You Covered
Minuteman Overdraft Protection gives you a reliable backup—so a temporary shortfall doesn’t become a bigger problem.
Talk with a banker today to learn if Minuteman Overdraft Protection is right for you.