Overdraft Protection

Avoid overdraft fees and hassles of bounced checks with our overdraft protection options. For greatest flexibility and cost savings, you can designate the order in which your choices are applied.

AdvantageLine — This revolving line-of-credit transfers funds (up to your available line of credit) to your checking account when there are non-sufficient funds to cover a checking account transaction. A small daily interest fee is charged on the balance used. A minimum monthly payment is charged but there are no prepayment penalties.  The AdvantageLine overdraft line-of-credit requires an application and credit approval. Apply now.

Savings to Checking Automatic Overdraft — 

If your checking account is overdrawn, available funds from your savings account are automatically transferred to cure the overdraft.  A fee of $2 (effective March 1, 2013) per transfer will be assessed to your account for this automatic service. To avoid the fee, you can log on to your Quest Home Banking or mobile banking account, call Telephone Teller or complete the transfer "manually" through an ATM at anytime. During normal business hours, you also have the option to speak with a Member Service representative in a branch or Call Center to transfer funds free of charge.

Courtesy Pay is an overdraft privilege for your checking account that allows checks to clear, up to your limit, even when there's not enough in the account.

  • No enrollment needed. Service is automatic with a checking account*
  • Protection limit up to a $1,000 (including Courtesy Pay fees. Certain qualifications apply; $500 minimum coverage)
  • No Insufficient Funds or returns to payees
  • Automatic protection include checks and ACH transfers. Can opt-in for full ATM and purchase coverage
  • 30 days to bring account balance positive
  • Only pay a fee of $29 for an item paid on insufficient funds

To opt-in for full coverage, click here.

*Does not cover overdrafts for ATM and point-of-sale purchases unless member opts-in.

For a complete list of fees, click here.

    
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