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Overdraft Protection

Avoid Fees For Insufficient Funds

Overdraft Protection

Surprises happen. Do you have a back-up plan in case you overdraw your account?

Be prepared with our overdraft protection services. Choose one, two or all three options, which help you avoid fees for insufficient funds, prevent embarrassing situations when your payment would be declined, and provide a safety net for unexpected financial situations.

+ Credit Reserve
An open-ended line of credit that allows you to avoid overdraft and returned-check charges. You pay interest on the amount you use but there are no transaction fees. Credit approval required.
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+ One-Way Sweep
Transfers or "sweeps" money from one account into another to cover transactions for which there are insufficient funds.
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+ Bounce Protection
Automatically covers overdrawn checks and recurring online bill payments for a fee per usage.
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Here's how Lewiston State Bank's overdraft protection services can benefit you:

Credit Reserve One-Way Sweeps Bounce Protection
Fee per transfer or advance N/A $5 $25*
Application and credit approval required Yes No No
Annual Percentage Rate (APR) 15.00%† N/A N/A
APR for cash advances N/A N/A N/A
Automatically enrolled? No No Yes ‡
Can I opt out? N/A N/A Yes

*The fee may be imposed for overdrafts created by check, in-person withdrawal, fees, or electronic transactions other than ATM or one-time point-of-sale transactions. It may also be imposed for overdrafts created by ATM or one-time point-of-sale transactions if you have opted in to that service. You must bring your account to a positive balance, including the payment of Bank fees charged to your account, at least once every 30 days. We will not pay an overdraft if:

  • Your account is not in good standing (defined as making regular deposits and bringing your account to a positive balance, including payment of all Bank fees charged to your account, at least once every 30 days)
  • There are legal orders, liens, or levies outstanding
  • Your overdrawn balance would exceed the predetermined amount assigned to your account type

†The information about the costs of the services described on this page is accurate as of 09/06/2017. This information may have changed after that date. To find out what may have changed, call us at (800) 815-BANK (2265).

‡ Only for those 18 years or older.