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Overdraft Program
No one likes being told no. But if you overdraw your account, you could have purchases denied...or worse, end up paying costly merchant fees. But don't worry—we've got your back!
At Chicopee Savings Bank, we automatically cover checks and automatic payments up to a designated limit so you can still pay for the things you need. Opt in to receive additional coverage for your debit card and ATM transactions, so your accounts are always protected.
- Savings Transfer
Attach your savings to your checking account, and when you spend more than you have in your checking, we will automatically transfer funds to cover the overage for a low $3 transfer fee. Pre-authorization must be established. Transfers from a Statement Savings or Money Market account to another account by pre-authorized, automatic, or telephone transfers are limited to six per month
- Instant Reserve
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Apply for an "Instant Reserve" Personal Line of Credit and enjoy the peace of mind should you overdraw your checking account. The amount of the overdraft is automatically transferred to your checking account to cover the insufficient balance. There are no service fees for this service; however, you will be billed for the interest on the amount advanced from your credit line during the monthly billing cycle.
- Overdraft Protection
- Protect your credit
- Checks and automatic payments covered automatically
- Opt in for debit card and ATM coverage
- Avoid denied debit card purchases
- Eliminate merchant NSF fees
- No maintenance charges
- Low $29 per usage fee ($5 for 18/65 account holders)
- Subject to approval
We offer other overdraft plans, such as a link to a savings account or Instant Reserve, (requires credit approval) which may be less expensive.
