What is your policy on overdraft protection?

ICICI Bank USA typically offers several options for managing overdrafts, but the specific policies and terms may vary depending on the type of account you hold. Overdraft protection is a service that allows account holders to avoid non-sufficient funds fees when a transaction exceeds the available balance in their checking account. In many cases, this is achieved by linking a savings account or another eligible account for automatic transfers to cover overdrafts. If overdraft protection is activated, when a customer attempts to withdraw an amount greater than the current account balance, funds can be drawn from the linked account to cover the transaction. This helps to prevent inconvenience associated with declined transactions or bounced checks. However, it is essential to be aware that fees may apply for this service, depending on the account terms agreed upon at the time of opening the account. Furthermore, ICICI Bank USA may also provide an option for an overdraft line of credit, which can automatically cover overdrafts up to a certain limit. Customers interested in overdraft protection should read through their account agreement and relevant policies, which can offer detailed insights into fees, limits, and how the service can be activated. For the most accurate and up-to-date information, visiting the official website might provide valuable resources regarding overdraft protection options.