We get it...mistakes happen. That's why Solarity has options to protect you in case of Non-Sufficient Funds (NSF) or when your account balance is restricted due to holds or deposits that aren't available yet. When this happens, merchants can decline your debit transaction or reject your check payment. But don't worry, we've got your back.
Overdraft protection for peace of mind
You have options to protect you from merchant fees, hassle and embarrassment if your checking account is overdrawn or if funds are unavailable due to holds.
Protects you from NSF merchant fees for checks, bill payments and recurring charges tied to your checking account number.
If your account is overdrawn, this option will initiate an automatic transfer from your savings account or line of credit to cover the shortfall.
ATM and debit card coverage
This optional protection covers your ATM withdrawals and everyday debit card transactions so your purchase isn't declined.
You're automatically covered with Courtesy Pay
We've got you covered with automatic enrollment in Courtesy Pay.* If your checking account doesn't have enough available funds, Courtesy Pay covers the following:
- Recurring payments tied to your checking account number
- Bill payments scheduled in online banking or the mobile app**
Opt-in for additional coverage
Link your checking account to a savings account or line of credit. When needed, funds will be transferred automatically to cover you. This option may be less expensive than Courtesy Pay so be sure to ask us for more information.
ATM withdrawals and debit card transactions
We don't automatically cover ATM withdrawals or debit card purchases for insufficient funds. You can, however, request coverage for these situations (except at Smart ATMs). Chat with us to see what your options are.
Solarity charges a fee each time we pay an overdraft through Courtesy Pay (view our Fee Schedule). If you don’t want Courtesy Pay added to your checking account, let us know.
Note: if you opt out of Courtesy Pay, checks or other transactions that are returned for insufficient funds may result in a fee from the merchant.
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Would you like to discuss your overdraft protection options?
Get in touch with us if you'd like to change or add to your existing protection against merchant fees that can occur with an overdrawn account.
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