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:

Overdraft Protection (Linked to another deposit account you have at Visions)1No fee per transfer
Readi Reserve Line of Credit1, 2Subject to interest
Overdraft Privilege Standard or Extended Coverage$20 Overdraft Privilege Fee per item presented3

1Call us at 800.242.2120, utilize Live Chat in digital banking, or stop by your nearest branch to sign up or apply for these services.
2Subject to credit approval.
3Each time an item is presented, including representment.

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 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 set 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.

Sign into online banking and open the Helpful Info tab for more information.

Covered Transactions

The table below lists the types of transactions covered by Overdraft Protection and Overdraft Privilege:

Transactions Covered with Overdraft Privilege
Standard Coverage (No action required)Extended Coverage (Your consent required on consumer accounts)*
ACH - Automatic Debitsxx
Recurring Debit Card Transactionsxx
Online Bill Pay Itemsxx
Everyday Debit Card transactions x*

*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 the Extended Coverage Consent Form.

You can discontinue the Overdraft Privilege in its entirety by contacting us at 800.242.2120. If 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.

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