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Overdraft Protection

Savings Overdraft Protection

Link your savings or money market account to your checking account to help protect against overdrawing. If your checking account becomes overdrawn, and you have sufficient funds available in your savings or money market accounts, the funds will be automatically transferred to your checking account. This ensures your payments are made, and it saves you overdraft charges. No credit approval is required.


Ready Reserve Overdraft Protection

In the event that your checking account does not have sufficient funds to cover a check, First Bank of Baldwin will automatically transfer funds into your checking account from your overdraft line of credit, helping you avoid costly NSF or Overdraft fees.  Credit approval required.


Eliminate the worry and hassle of an overdraft.  Please see your Banker to learn more about our Overdraft Protection solutions.