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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
Complete Overdraft Solutions

With extensive overdraft options, Partners 1st is sure to have you covered! From basic to extended overdraft protection, you control how much coverage you want on your accounts. Transfers from savings accounts and lines of credit will be applied first, and then Privilege Pay will come into play.

Savings Transfer

Available to all checking account members

  • Choose a preferred overdraft sequence or default to primary savings account

Credit Line Transfer

Subject to credit approval and based on credit worthiness

  • Overdraft transfers are in $100 increments
  • 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*

Privilege Pay

Our standard Privilege Pay benefits are automatically provided to checking account members that qualify ** and meet certain criteria. These benefits only apply to checks, ACH, bill pay, recurring debit card transactions, and teller transactions.

We are proud to offer our members an extended overdraft coverage option for your everyday debit card and ATM transactions. This extended coverage will vary day-by-day, and is optional. If you want to add it to your account, visit your local branch or call our Member Support Team.


* Rates based on creditworthiness, so your rate may differ.

** Overdraft coverage will weigh numerous variables, including but not limited to: age of account, deposit amounts, account status, previous overdraft activity, and more. With this information, your overdraft limit may change daily with the potential to be reduced to $0.

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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