What options are available for overdraft protection?

Bank of the West offers several options for overdraft protection to help customers manage their accounts and avoid the inconvenience of insufficient funds. One option is the traditional overdraft service, which allows transactions to be processed even if the account balance falls below zero, up to a predetermined limit. Customers are typically charged an overdraft fee for each transaction that results in a negative balance. Another option is linking a savings account to a checking account for overdraft protection. In this case, if a transaction exceeds the available balance in the checking account, the funds can be transferred from the linked savings account to cover the difference. This can help minimize fees, as there is often a smaller transfer fee, or in some cases no fee at all, compared to the standard overdraft fee. Bank of the West may also provide a line of credit as a form of overdraft protection. This allows customers to draw funds from a personal line of credit to cover overdrafts, and they would be responsible for paying interest on the borrowed amount. Customers are encouraged to visit the Bank of the West website for more detailed information regarding these services and any potential fees associated with them. This way, they can make informed decisions about the best options for their banking needs.