Checking Protection Package
Checking Protection Package Brochure Contact Us to Sign Up
Nobody likes surprises when it comes to their checking account balance. Our Checking Protection Package includes Fibre Card Manager, Overdraft Transfer Protection, Courtesy Pay, and Debit Card Courtesy Pay. These services work together to create multiple lines of defense against unexpected surprises, so you always have the money you need for the things you want.
Fibre Card Manager
Use this free service to manage your risk and prevent fraud. Fibre Card Manager allows you to define when, where, and how your cards can be used, and send alerts on your mobile device.
Online/Mobile Banking Alerts
You can also easily set up checking account balance alerts through Online/Mobile Banking. If for any reason your checking account balance falls below the amount you designate, you will receive a text or email alert the same day. To activate, go to Settings (under your name in Online Banking, in the hamburger menu in Mobile Banking), then Notifications.
Free Overdraft Transfer Protection
Overdraft transfers are your second line of defense against overdraft fees. We automatically transfer funds in $100 increments or whatever is available to your checking account to cover any activity that would produce a negative balance. You designate the savings account, other checking account, Personal Line of Credit, Home Equity Line of Credit, or Visa Credit Card to use for this purpose. We will always exhaust your Overdraft Transfer Protection options before utilizing Courtesy Pay.
When you open a checking account with us and keep it in good standing for the first 90 days, you’re automatically enrolled in Courtesy Pay for checks, electronic transactions, and recurring debit transactions. At our discretion, we will cover these types of transactions if they bring your account to a negative balance. This service costs you nothing if you don't use it. You will be charged $30 for each occurrence, and you will need to bring your account to a positive balance in a timely manner as outlined in our overdraft disclosure.
Optional Debit Card Courtesy Pay
Enrolling in Debit Card Courtesy Pay will allow us to extend Courtesy Pay service to your Debit Card purchases, point of sale (POS) transactions, and ATM withdrawals up to an approved limit in the event there are not sufficient funds to cover your transactions. If you're an Online Banking user, select the Debit Courtesy Pay widget to enroll yourself in seconds. Or, you can give us a call, visit a financial service center, or fill out this form and we'll call you back. As with standard Courtesy Pay, it costs you nothing if you don’t use it. You will be charged $30 per occurrence if you do, and your overdraft balance must be paid within a timely manner as outlined in our overdraft disclosure.