Overdraft options for your checking account

Sometimes, life may surprise you, and your account may have less funds than you need. Here are options for managing your checking account if you spend more money than you have available.

Learn how to manage your selection.

Checks and electronic transactions

Checks, electronic payments (ACH), recurring debit card transactions and transfers are always opted in, meaning you’ll get a $37 fee if TCF authorizes or returns any transaction that exceeds your available account balance.

Overdraft fee cushion

You will not be charged an overdraft fee if your account is overdrawn by $5 or less at the end of the day.

Here are examples of common transactions and what happens when your available balance is not enough to cover them.

  Opt out Opt in
Transaction may be paid If paid, fee charged* Transaction may be paid If paid, fee charged*
Recurring transactions (TV, movie or music subscriptions; gym memberships) using your debit card
Opt out
Transaction may be paid
Opt out
If paid, fee charged*
Opt in
Transaction may be paid
Opt in
If paid, fee charged*
Shopping (in stores, online, gas or restaurants) using your debit card
Opt out
Transaction may be paid
Opt out
If paid, fee charged*
Opt in
Transaction may be paid
Opt in
If paid, fee charged*
ATM withdrawals
Opt out
Transaction may be paid
Opt out
If paid, fee charged*
Opt in
Transaction may be paid
Opt in
If paid, fee charged*

*Once a transaction is authorized, it must be paid. The overdraft fee would be charged if you don’t have enough money to pay for the transaction at the time of settlement, not authorization.

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