Overdraft Services Compare Chart

Want to prevent overdrafts and save on fees? See how these three smart overdraft services options compare. Then you’ll be ready to choose the one that’s right for you. 

 

 
Account Features
Description
Fees
Maximum Amount
Credit Approval Required?
Interest Rate
Advance Amounts
Repayment
Other

Cash Reserve

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Description
  • A line of credit tied to an ESL checking account.
  • Funds are automatically advanced to the checking account when account is overdrawn.
Fees

No per-transfer fee

Maximum Amount

Up to $10,000 based on credit approval.

Credit Approval Required?

Yes

Interest Rate

View current rate

Advance Amounts

$100 increments

Repayment

Minimum monthly principal payment is $20 when service is used.

Other

N/A

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CheckOK

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Description
  • An ESL savings account tied to an ESL checking account.
  • Money from the savings account is automatically transferred to the checking account to cover transactions that cause an overdraft.
Fees
  • A $5.00 fee is charged when the service is utilized.
  • Only one fee assessed per day, regardless of the number of transactions causing overdrafts that day.
Maximum Amount

Up to the balance of the linked savings account.

Credit Approval Required?

No, member must request the service.

Interest Rate

N/A

Advance Amounts

Exact amount of the overdraft

Repayment

N/A

Other

Linked checking and savings accounts must have the same title of ownership.

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Courtesy Pay

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Description
  • Allows transactions to be paid when there is not enough money in the checking account.
  • Avoids payments being rejected or returned for insufficient funds.
  • Works in addition to Cash Reserve and CheckOK, if applicable.
Fees

Yes, $5.00 for each overdraft transaction.

Maximum Amount

$250/account for Free and Premier Checking

Credit Approval Required?

No, eligible accounts are enrolled automatically – may elect to opt out of automatic enrollment.

Interest Rate

N/A

Advance Amounts

Exact amount of the overdraft

Repayment

Required to pay back amount of the advance into checking account.

Other

Registration required for ESL Visa Debit Card transactions.

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