When you obtain a Balance Assist^® the overdraft setting on the account receiving the Balance Assist^® funds will be set to the Decline All Overdraft Setting.

This means if we determine at the time of the transaction that you don't appear to have enough available funds in your account, or in any backup account you've linked as a part of our Balance Connect^® for overdraft protection service, to cover a transaction, we will not authorize the payment or pay the transaction causing an overdraft.

Checks or scheduled payments will be returned unpaid if you don't have enough money in your account. We won't charge a fee when we decline or return an item unpaid due to insufficient funds. However, you may be charged a fee by the payee.

In the Decline All Overdraft Setting, your account may still receive overdraft protection transfers from a linked backup account if it does not have enough funds to cover an item. Transfers from a credit card or line of credit are subject to the interest as described in the applicable agreements for those products.

Even in Decline All, your account may still become overdrawn. This can happen when a transaction is authorized for one amount but the final amount is higher, such as when you add a tip to a restaurant charge.

Once your Balance Assist is repaid, you can request changes to your overdraft setting. Contact us 5 business days after the loan is paid in full. In Standard Overdraft Setting your checks and scheduled payments may be paid at our discretion, causing an overdraft, and you may be charged an Overdraft Item Fee.