Checking Plus Overdraft Protection

Don’t get caught with an overdraft. Our Checking Plus product offers you an extended line of credit to protect you from overdraft charges and automatically advances the money needed to cover an overdraft.

How It Works

Whenever your checking account becomes overdrawn, we will automatically deposit $200 increments of money into your account as it is needed to cover your overdraft, once your application is approved. Your maximum advance is limited to the amount of your available credit. There is a $3.00 monthly charge for Checking Plus that is automatically deducted from your checking balance every month and daily interest on advanced funds, until the credit line is paid in full with regular minimum monthly payments.

What is an overdraft?

An overdraft occurs when you do not have enough money in your account to cover a transaction. First Dakota National Bank covers your overdrafts in two different ways:

  • We have Bounce Overdraft Protection, a non-contractual courtesy service, which may come with your account.
  • We offer a Checking Plus line of credit, which  may be less expensive than our standard overdraft practices.

How to Add Overdraft Protection

Would you like to apply for a Checking Plus line of credit? Visit one of our branch locations.