Overdraft Protection  

Sometimes your account balance just doesn't add up. Don't let that get you down.

You have a lot of expenses. 你的工资并不总是在你认为应该的时候到达. 我们知道这些因素和其他因素可能会导致您的支票账户出现负余额.

你没有理由向密歇根州和其他地方的商家支付高额的退货费用. 相反，你可以安排Arbor Financial以几种方式之一来覆盖你的透支.

• 您的支票帐户自动包括使用您的帐户号码进行的支票和其他交易
• Also covered are automatic electronic bill payments
• 我们每透支一次，你将被收取35美元的费用
• 自动柜员机交易和普通借记卡交易不包括在内
• 您可以授权自动取款机交易和日常借记卡交易 by completing this form, visiting any of our branches, or calling 269.375.6702

Overdraft Protection Options

增加其中一项服务可以减少透支费用.

• Link to Savings Account: 钱会从你的储蓄账户中转出来，以匹配你的支票透支金额. The charge is $5 for each overdraft. There are no limits on transactions.
• Flex Line of Credit Transfers: 钱会从你的信用额度中转出，以匹配你的透支金额. 每笔交易要收5美元，外加信用额度上的利息.
• Courtesy Coverage: Coverage is available for members who qualify. 这项有限的服务包括支票和自动电子账单支付, but not ATM and everyday debit card transactions. A fee applies each time you use this service.
• Courtesy Coverage Plus: Coverage is available to qualifying members. This comprehensive version covers checks, automated bill payments, everyday debit card use and ATM transactions. A fee applies each time you use this service.

Tips to Avoid Overdrafts  

1. 跟踪你的账户余额:确保你知道你的账户余额在任何时候，并跟踪你的交易. You can check your balance online, through our mobile app, 或致电我们的会员服务团队(269)375-6702.
2. Set up account alerts: 为低余额、存款和交易设置警报. 这将帮助你了解你的账户活动，避免透支. 
3. Create a budget: 制定预算可以帮助你更有效地管理你的钱，避免超支. For help creating a budget visit our partner Green Path. 
4. Use automatic payments with BillPay:为账单和经常性开支设置自动付款，以避免忘记付款.