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Overdraft Protection

Overdraft Protection through Partners 1st comes in many forms - all of which can protect you from overdraft fees should your balance fall below zero.

Business Account Review
Three Unique Overdraft Plans

With three unique overdraft plans, Partners 1st is sure to have you covered! Plus, you can choose to add all three to your account, for the absolute best coverage available. Transfers from savings, line of credit, and credit card will be applied first, and then Privilege Pay will come into play.

Savings Transfer

Available to all checking account members

  • Transfer fees from $0 to $5 based on club level

Credit Line and/or Credit Card Transfer

Subject to credit approval and based on creditworthiness

  • Overdraft transfers are in $100 increments
  • Transfer fees from $0 to $5 based on club level
  • Cash advance fee for credit card advances
  • Credit Lines offer a low interest rate with monthly payments that are 2% of the principal loan balance or $20, whichever is higher. Current rate is as low as 11.5% APR*
  • Credit Cards also offer a low interest rate with monthly payments that are 2% of the principal balance or $25, whichever is higher. Current rate is as low as 8.99% APR*

Privilege Pay

Available to checking account members that qualify ** and meet certain criteria; limit varies and consent is required. You must opt-in for this service. This only applies to checks, ACH, and teller transactions. To work toward ATM/POS, you must sign an opt-in application:

Opt-in application for personal accounts
Opt-in application for business accounts

Qualification

  • Accounts must have an aggregate of $300 in deposits ($500 for businesses) over a period of 35 days.
  • Deposits by transfer do not count toward the aggregate in deposits
  • Can not be overdrawn for more than 20 consecutive days
  • Can not be delinquent on loans for more than 10 days at time of qualification**
  • Primary account owner must be 18 years of age or older

Limits

  • Personal checking accounts open 1 – 59 days have a $250 limit
  • Personal checking accounts open 60 days or more have a $750 limit
  • Premium checking accounts open 60 days or more have a $2500 limit
  • Business checking accounts have a $1,000 limit

Fees

  • Overdrafts from $0 to $.99 have no fee
  • Overdrafts from $1+ have a fee of $30 per item

*Rates based on creditworthiness, so your rate may differ. **The qualification process runs daily, which means you may qualify one day and not the next.

We're here for "U"

At Partners 1st... "U" are the difference. Your success defines us. So if you have a question, concern or simply need some assistance, please feel free reach out.

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