Overdraft Privilege

A simple oversight in spending can leave you with less money in your account than you realized, causing issues at the register. As a bank, we promote good account management, but we also understand the unexpected can happen. For this reason, we offer services such as Account Link, lines of credit, and Overdraft Privilege to help protect your account from overdrafts.


  • Protect your credit
  • Eliminate bounced checks and merchant NSF fees
  • Available to all checking accounts
  • Account Link transfers available
  • Subject to approval
  • $30.00 per item occurrence

If you have Overdraft Privilege we may pay overdraft items presented against your account up to the overdraft limit assigned. An insufficient funds item may be created by check, in-person withdrawal, ATM withdrawal or debit card transaction (if you chose to opt in to this service), or other electronic means. Any insufficient funds fees charged, as well as the amount of the overdraft item(s), will be subtracted from the Overdraft Privilege limit assigned to your account. Read the full disclosure here.

*Free Checking Accounts will be eligible for overdraft protection after 60 days.

Account Link Savings Transfers

Link your checking account to another Signature Bank account and we’ll automatically transfer funds to cover any overages on your checking. This option is a more affordable alternative to our Overdraft Privilege service.

  • Automatic transfers from linked account
  • No setup fee for this service
  • $7 per transfer
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