This is your "safety net" for your checking account. You will have a credit limit of $500 and if you do not have enough funds available in your checking account to clear a check, then funds are automatically deducted from this loan to cover the check. Funds are transferred from your Overdraft Loan to your checking account in increments of $50. Payment on this loan is due on the 15th of each month when there is an outstanding balance.
BRANCHES WILL OPERATE AS DRIVE-THRU ONLY ON SATURDAY OCTOBER 23rd, 2021: Due to staffing challenges, we regret to inform that both our Albany and Troy branch lobbies will be closed on Saturday October 23, 2021. Our staff are happy to accommodate most requests during our regular Saturday hours 9am-1pm at the drive-thru or by phone at 518-286-1611. Both branches plan to resume regular lobby and drive-thru access on Monday October 24th. Thank you for your understanding and patience.
Overdraft Line of Credit
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