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Accidentally overdrawing your account can be costly and embarrassing. MCT offers overdraft protection to help you stay covered even when mistakes happen.

Courtesy Overdraft

We’ll protect overdrafts of your account up to $550. This covers ACH withdrawals, check clearings, and point of sale transactions. The fee is $30 per item.

To qualify, your account must be open, active and in good standing for the first 30 days. To receive overdraft protection service for your ATM and debit card transactions, you must enroll at one of our branch locations.

Line of Credit Overdraft Protection

You can also use a personal line of credit as overdraft protection for your MCT checking account. To get started, you’ll need to apply for and establish your personal line of credit first. Once your line of credit is linked to your checking account for overdraft protection, funds will automatically transfer to cover any overdrafts. There is a $5 charge per transfer.

Even if you have overdraft protection through a line of credit, it’s still a good idea to enroll in Courtesy Overdraft. Courtesy Overdraft will be used as a back-up in the event that your line of credit is unable to cover an overdraft.

Learn More 

To learn more, please call us at 409-727-1446 or 800-846-1751. Or visit your local branch.