Overdraft Coverage Options:

Overdraft Protection and Overdraft Privilege

Life happens! Visions understands that unexpected overdrafts occur from time to time - Overdraft Coverage can help.


Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

SERVICECOST
Overdraft Protection (Linked to another deposit account you have at Visions)1No fee per transfer
Readi Reserve Line of Credit1, 2Subject to fees and interest
Overdraft Privilege$20 Overdraft Fee per item

1Call us at 800.242.2120 or stop by your nearest branch to sign up or apply for these services.
2Subject to credit approval.

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or Readi Reserve line of credit you may have at Visions for a fee or finance charge. Please note that overdraft lines of credit are subject to credit approval.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

More information can be found in the Helpful Info tab of online and mobile banking.

Sign in here!


Transactions Covered with Overdraft PrivilegeStandard Coverage (No action required)Extended Coverage (Your consent required on consumer accounts)*
Checksxx
ACH - Automatic Debitsxx
Recurring Debit Card Transactionsxx
Online Bill Pay Itemsxx
Contact Center Telephone Transactionsxx
Teller Window Transactionsxx
Everyday Debit Card transactionsx*

*If you choose Extended Coverage on your consumer account, everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

If you would like to select Extended Coverage for future transactions, call us at 800.242.2120, make your selection from the Services tab in digital banking, stop by your nearest branch, or complete a consent form by clicking the below and mail it to us at 24 McKinley Ave, Endicott, NY 13760.

Extended Coverage Consent Form


You can discontinue the Overdraft Privilege in its entirety by contacting us at 800.242.2120If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at 800.242.2120, utilize Live Chat in digital banking, or stop by your nearest branch.