Overdraft Protection

Bounced checks. Declined debit cards. Who wants that? Overdraft Protection* conveniently covers transactions if your checking account balance is less than zero.

Protect Yourself with Automatic Transfers

Stop worrying so much about your checking account balance. Once you’re enrolled in Overdraft Protection*, we will automatically transfer available funds, to the extent they are available, from your linked Colorado State Bank and Trust savings, money market account, or personal line of credit into your checking account at the end of any business day on which your available balance is less than zero.

Financial Peace of Mind

With Overdraft Protection*, you can stop worrying if someone is taking a while to cash a check or if your purchase costs a little more than you expected. We'll simply transfer available funds from your savings account or personal line of credit into your checking account to cover the insufficient balance plus the Overdraft Protection transfer fee — and you don't have to give it a second thought.

Affordable Protection

There's no cost to enroll in Overdraft Protection*. You'll only pay a low transfer fee if the Overdraft Protection covered at least one overdraft item plus the transfer fee. And no fee would be incurred if your account is overdrawn by $5 or less at the end of the business day, after all transactions have posted.

  • $12.50 for transfers to Choice Checking, Access Checking, Student Checking or Opportunity Banking.
  • $7.50 for transfers to Interest Checking.
  • $0 for transfers to Premier Checking.
  • $12.50 for transfers from a personal line of credit, regardless of your checking account.

A Simple Process

Enroll in Overdraft Protection* today, and then forget about it. It's there for you when you need it — automatically. To get started, schedule an appointment, contact a Relationship Banker, or call ExpressBank at (877) 205-1710.

Mobile Alerts

We also offer free Mobile Alerts to let you know if your balance is low. The alerts are easy to set up in Online Banking. And, you can even have alerts sent to multiple email addresses.

Ready to Get Started?

Related Products and Services

Overdraft Protection only works when you use Colorado State Bank and Trust for both your checking and savings accounts. If you don't already have both set up, compare your options and enroll today: