Every KeyPoint checking account includes overdraft coverage options that can be combined to provide maximum convenience and flexibility while serving as a safety net:
Savings or Money Market Overdraft Coverage
Your KeyPoint savings accounts can be linked per your request to your checking account. If your checking account does not have enough funds, then we’ll automatically transfer funds up to your available savings balance.
Line of Credit Overdraft Coverage
You can link your KeyPoint line of credit to your checking account. If your checking account does not have enough funds to pay an item, we’ll automatically advance up to your available credit line loan limit.
In addition to the overdraft protection options, Courtesy Pay protects you from an accidental account overdraft and the costs and embarrassment that go along with it. Please review the courtesy pay agreement for full details.