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Overdraft Services

If you have ever written a check or attempted to make a purchase with your Debit Card when you did not have available funds in your account, you know the expense or embarrassment it can cause. To help you avoid these situations, North Middlesex Savings Bank offers ways of covering your overdrafts: by linking your checking account to another account with us, by applying for an overdraft line of credit orparticipating in Overdraft Protection Advantage, if you qualify. Contact us to learn more about these options or to apply for an overdraft line of credit.

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money available in your account to cover a transaction, which was caused by a check being paid or an elelctronic funds withdrawal transaction. We can cover your overdrafts in two different ways:
 
  1. We have standard overdraft practices that come with your account if you are qualified, called Overdraft Protection Advantage.
  2. We also offer several overdraft protection plans, which may be less expensive than our standard overdraft practices. You may use a savings, money market or another checking account to cover overdrafts. We also offer a line of credit that can protect your account. To learn more about these plans, visit one of our branch locations or contact our Customer Service Center at 978-772-3306.