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Overdraft Services
Personal Banking Overdraft Services

Everyone has a rainy day. We can cover you.

We know it can sometimes be challenging to stay on top of your bills, payments, and spending. There may be a time when there isn’t enough in your account to cover a transaction, and overdrafts and their associated fees are charged to your account. Athens Federal offers a variety of products and services that can help protect you from overdrafts and give you the peace of mind that comes with knowing you’re covered.

At Athens Federal’s discretion, we may authorize and pay overdrafts for the following types of transactions:

Checks and other transactions made using your checking account number
Automatic bill payments

Athens Federal does not authorize and pay overdrafts for the following types of transactions unless you ask us to via Transfer from Another Account, DDA Line of Credit, or Overdraft Protection:

ATM transactions
Everyday debit card transactions (e.g., gas or groceries)

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay every type of transaction. When an overdraft is paid, standard overdraft fees may be assessed.

Contact your customer service representative at 1-800-526-3572 for more information.


Your Options

Overdraft Transfer from Another Account (Checking or Savings)
Use your Athens Federal savings account as a backup to your checking account. This option can provide overdraft protection when you need it, without requiring credit approval. Your savings account can be directly linked to your checking account to automatically transfer funds when needed. Transfers are made in increments of $50 ($10 per transfer fee is assessed to the checking account).

DDA Line of Credit
With an Athens Federal DDA Line of Credit tied to your checking account, you no longer have to worry about overdrafts during unexpected financial emergencies. DDA Line of Credit is an overdraft line of credit, which means you have a pre-approved personal, unsecured loan to cover unanticipated costs that overdraw your checking account (up to your pre-approved credit limit). When you make a transaction for an amount exceeding the balance in your checking account, an advance is added to your checking account to cover the transaction, up to your pre-approved credit limit. Contact your customer service representative at 1-800-526-3572 for additional information. Subject to credit approval.

  • No collateral required
  • Automatically transfers available funds to your checking account in the event of an overdraft (in increments of $50); $10 per transfer fee is assessed to the checking account
  • A range of line amounts are available
  • Convenient payment options, including by phone or online transfer

Overdraft Protection Service
Agreeing to the terms of Athens Federal's optional Overdraft Protection Service will allow us to authorize your ATM and everyday debit card transactions and check payments, at the bank's discretion, even when you don't have enough funds to cover those transactions. Protect yourself from overdraft situations by learning more about Athens Federal Overdraft Services and choosing to opt in or out.

24/7 Online and Mobile Banking Services
With 24/7 real-time access to your account via mobile smartphone and tablet apps, text, mobile web and online banking, you can always stay informed of your account activity and pending transactions. Not only will these services help prevent overdrafts from occurring, you can also set up Account Alerts, which notify you when your checking account falls below a certain balance threshold or when a specific check clears your account. You can also create a budget, establish financial goals and monitor spending with the Athens Federal Online Financial Management tool.

Message and data rates may apply.


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Checking Navigator
This interactive online financial education tool provides information on how your checking account works, how to manage your account and how to avoid overdraft fees. Throughout the course, you will learn banking terms, important tips to manage your money and specific information on some of the services Athens Federal provides to help. It is a great free tool for you and every member of your family who has a checking account.

Simply log in and begin navigating your way to better financial management!