Overdraft Protection

Bounced checks. Declined debit cards. Who wants that? Overdraft Protection conveniently covers transactions if your checking account balance drops too low.

Protect Yourself with Automatic Transfers

Stop worrying so much about your checking account balance. Overdraft Protection provides convenient automatic transfers from your linked savings, money market account, or line of credit to cover transactions if you don't have quite enough money in your checking account.

Financial Peace of Mind

With Overdraft Protection, you can stop worrying if someone is taking a while to cash a check or if your purchase costs a little more than you expected. We'll simply transfer money from your savings account into your checking account to cover the difference — and you don't have to give it a second thought.

Affordable Protection

There's no cost to enroll in Overdraft Protection. You'll only pay a low transfer fee if you use the service.

  • The fee is only $12.50 if you're enrolled in Choice Checking, Basic Checking or Student Checking.
  • If you have Advantage or Advantage 55 Checking, the fee is even lower — just $7.50 for each transaction.
  • If the transfer originates from a line of credit, then the fee is $12.50 regardless of your checking account.

A Simple Process

Enroll in Overdraft Protection today, and then forget about it. It's there for you when you need it — automatically. The rest of the time, there's nothing you need to do to maintain it.

Mobile Alerts

We also offer free Mobile Alerts to let you know if your balance is low. The alerts are easy to set up in Online Banking. And, you can even have alerts sent to multiple email addresses.

Ready to Get Started?

Related Products and Services

Overdraft Protection only works when you use Bank of Oklahoma for both your checking and savings accounts. If you don't already have both set up, compare your options and enroll today: