Extended Overdraft Protection

Sometimes, your account balance may not be enough to cover a transaction. When this happens, an overdraft occurs. In some cases, Harborstone may still pay the transaction for you—helping you avoid a declined purchase.

Additional Overdraft Options

For added protection, you can opt-in to one of the following with an additional fee:

  • Basic Coverage

    Basic Coverage covers: 

    • ACH withdrawals and recurring debit payments
    • Online Bill Pay
    • Checks


    Basic and Extended Coverage Fees and Limits:

    • $20 per overdraft
    • Up to 8 fees per day (maximum $160 per day)

  • Extended Coverage

    Extended Coverage covers everything in Basic, plus:

    • ATM transactions
    • Everyday debit card purchases


    Basic and Extended Coverage Fees and Limits:

    • $20 per overdraft
    • Up to 8 fees per day (maximum $160 per day)