Overdraft Protection
Forget worrying about the embarrassment or hassle of a rejected check, debit card, or ATM transaction. We’ve got you!
We understand life gets busy.
Why BankWest Overdraft Protection Services?
Sometimes that means we’ll forget our bank balance and make an overdraft. Thankfully, we offer several overdraft services to help you avoid or manage an unexpected overdraft, giving you peace of mind.
Overdraft Courtesy Coverage (OCC)
With OCC overdraft service, we will strive to pay nonsufficient funds items (except ATM withdrawals and daily debit card transactions) cashed against your account instead of returning the items unpaid. These are at our discretion.
The service is included with qualifying consumer and business checking accounts. The following are covered through OCC:
- Checks
- ACH and other transactions
This feature provides basic coverage for checks and automatic withdrawals with no fee unless you overdraft. We will charge $30 per overdraft or returned item, whether the item is paid or returned. Contact us to opt out of this service.
Overdraft Courtesy Coverage Plus (OCC Plus)
This feature takes overdraft coverage to the next level.
With OCC Plus, we will work to pay all types of nonsufficient funds items presented against your account instead of returning the items unpaid. This includes ATM withdrawals and debit card transactions. If you currently have OCC and would like to switch to OCC Plus, please contact your local BankWest branch. The following are covered through OCC Plus:
- Checks
- ACH and other transactions
- ATM withdrawals
- Daily debit card transactions
There is no fee to enroll. You are only charged if you have an overdraft or returned item. We will charge $30 per overdraft or returned item. Contact BankWest to opt out of this service.
Overdraft Transfer
This overdraft service establishes an automatic transfer to your checking account from another BankWest deposit account. You can add Overdraft Transfer by requesting it from your local branch. The following are covered through Overdraft Transfer:
- Checks
- ACH and other transactions
- ATM withdrawals
- Daily debit card transactions
A $30 annual fee is charged for this service. This service may be canceled at your discretion.
Checkline*
With Checkline, you get a personal line of credit with overdraft protection.
This overdraft service establishes a personal line of credit linked to your BankWest checking account. The coverage automatically begins when you make a transaction that exceeds the balance available in your checking account. An application is required to add this service and it covers the following:
- Checks
- ACH and other transactions
- ATM withdrawals
- Daily debit card transactions
A $50 setup fee is charged for the first year and a $50 annual fee is charged thereafter. Outstanding balances are assessed at an annual percentage rate of 20 percent. Checkline may be canceled at your discretion.
Disclosure All loans are subject to credit approval.
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