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Get StartedOops! Sometimes you may not realize your account balance has gotten low. To help protect against overdrafts, you can link your MIDFLORIDA savings account or line of credit to your checking account. We'll make a courtesy transfer for you to cover the transaction if you don't have enough money in your checking account.
Courtesy Transfers
Additional coverage for your debit card
Check Advance is an additional service you can add to your account to ensure your ATM and everyday debit card transactions are covered. This option can be added in addition to our standard overdraft protection options.
An overdraft occurs when a payment or withdrawal is made on your account and there isn’t enough money to cover it, and there is no linked savings or line of credit to pull the funds from. When this happens, an insufficient funds fee is charged to your account. In some cases, we will return the item unpaid. In other instances, the item will be paid and your account will go negative. The insufficient funds fee can range from $10 to $30 per item, depending on the type of transaction and how often it occurs. In addition, if your account goes negative, you will have 5 days to bring your balance up, or a negative balance fee may be assessed. (See our fee schedule for specific details.)
Let’s look at an example: If a $100 check is written on your account, and you only have a $40 balance when the check clears, we may pay the check for you and take your account negative by the difference - $60. Also, an insufficient funds fee of $30 would be charged, taking the balance to negative $90. Then, if the balance was not brought back up until 10 days later, the account would incur another $20 in negative balance fees.
6 ways you can avoid overdrafts