Consumer overdraft protection covers transactions that cause an overdraft, or your available balance to go negative. You can link up to three eligible* Consumer U.S. Bank accounts to your consumer checking as overdraft protection. Credit products used for overdraft protection may be subject to additional charges such as annual fees, cash advance fee and interest charges that will accrue on the amounts advanced.

• Funds are automatically transferred from the linked account to cover the negative available balance in the event of an overdraft.
• If you link more than one eligible account (up to three accounts), you can select the order you’d like the accounts accessed for funds (e.g. link to depository accounts first to avoid overdraft transfer fee)
• If the funds transferred doesn’t cover the transaction(s), Standard Overdraft Coverage fees will apply.
• Overdraft Protection funds will be accessed before the account is eligible for Overdraft Fee Forgiven. Refer to Your Deposit Account Agreement, section titled “Overdraft Protection Plans,” for additional information.

Please be aware, account owners must match on the checking account and those used for overdraft protection.

Additional Information
*Eligible accounts with U.S. Bank include: consumer savings, money market, secondary personal checking, reserve line of credit, credit card, personal line of credit and home equity line of credit.