Yes. You can opt in to basic overdraft protection and add premium overdraft services like savings and Checkline Reserve. In fact, layering your overdraft protection has a number of benefits. Not only are you more protected against balance instability and the surprise of declined transactions, but you also set the order of priority for how your overdrafts are covered. For example, you can prioritize your overdraft coverage to draw from savings first, then Checkline Reserve. Regardless of how you prioritize your protection, your basic overdraft service with ATM and debit card coverage will always be last.

When we say basic overdraft coverage, we're referring to the default overdraft preferences set up when you opened your checking account. This excludes any added overdraft protection services such as savings or Checkline Reserve.

When you open a checking account, you're automatically opted in for checks, other transactions made using your checking account number and automatic bill payments. This means that we may, at our discretion, authorize and pay overdrafts on these types of transactions. You can change your overdraft preferences for these types of transactions at any time.

When you open a checking account, you're also required to opt in or out of basic overdraft service with ATM and debit card coverage. This enhanced service adds coverage for ATM cash withdrawals and one-time debit card transactions. We don't authorize or pay overdrafts for these types of transactions unless you opt in to this service. If we don't authorize or pay an overdraft, your transaction will be declined. You can change your overdraft preferences for these types of transactions at any time.

You can find your routing number by selecting the state you opened your account. Routing numbers are often referred to as check routing numbers, ABA numbers or routing transit numbers (RTN).

You can also find your routing and account numbers on checks or in Digital Banking.

On checks

Your routing number is listed as the first sequence of numbers at the bottom left corner of your personal checks—typically a 9-digit number. If you have a business account, the routing number will follow the 6-digit check number at the bottom of your checks.

Your account number is listed as the second sequence of numbers at the bottom left corner of your personal or business checks—typically a 12-digit number.

In Digital Banking

Your routing and account numbers can be viewed online in Digital Banking. Select the account you want to see, then look for the details tab and select View Routing and Account Numbers.

Overdraft protection is an account management tool designed to help you cover a transaction when you don't have sufficient funds in your checking account. Eligible transactions may include checks, ATM withdrawals, debit card purchases, wires and electronic transfers. With overdraft protection, we'll cover a shortfall at our discretion so the transaction goes through successfully.