Overdraft Protection
Mistakes happen. With overdraft protection, you can avoid the embarrassment that comes with bounced checks and declined debit card transactions.
Here are four ways you can avoid overdrawing your account:
Talk with us about using other WTB accounts to assist with overdraft protection.
- Checking Account.
- Money Market Account.
- Savings Account.
- WTB Credit Card.1
- WTB Line of Credit.1
Once you open or apply for any of the above accounts, link them to your checking account as overdraft protection against future occurrences. This way, if you perform a transaction that exceeds the balance in your checking account, funds from the linked account(s) will be transferred to cover the overdraft. For more information, please review our Standard Overdraft Practices.
Enroll in digital banking.
Take advantage of our online services, including mobile and bill pay.
- Ensure your bills are paid on time.
- See where your money is going, including pending transactions.
- Set up low-balance alerts.2
Ensure your bank activity is accurately reflected in your records.
- Balance your checking account to your bank statement on a monthly basis.
- Record all automatic withdrawals and deposits.
- Record all check and debit card transactions.
Participate in Money Management Counseling.
You can take advantage of money management counseling by contacting Money Management International (MMI).
MMI offers credit counseling to those who need help with budgeting, basic money management skills, and credit problems. Certified counselors are available 24 hours a day, seven days a week, both by phone and online. In–person credit counseling may also be available by appointment depending on location. Some services offered by MMI have associated fees. You and your personal credit counselor will work together to:
MMI offers credit counseling to those who need help with budgeting, basic money management skills, and credit problems. Certified counselors are available 24 hours a day, seven days a week, both by phone and online. In–person credit counseling may also be available by appointment depending on location. Some services offered by MMI have associated fees. You and your personal credit counselor will work together to:
- Assess your current financial situation.
- Develop a realistic spending plan.
- Establish achievable financial goals.
- Create a personal action plan for success.
Contact MMI by phone at 866.515.2227 or visit their website at www.moneymanagement.org to learn more.
Important information:
- New accounts are subject to credit approval.
- Standard message rates and data charges from your wireless carrier may apply.