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Optional Overdraft Service
Protection Made for You
People need options. We get it. Porte's optional Overdraft Service allows you to turn it on when you need it and off when you don’t. We give you 24 hours to pay back the overdraft transaction.1 No questions asked.
Porte Banking Overdraft Service
Here when you need us.
Porte gives you 24 hours to payback the overdraft with no fee.1 No questions asked. When your next deposit arrives, we'll automatically apply it to your overdrafted amount.
How it works.
Overdraft Choice3 is the feature that allows you to turn the optional Overdraft Service On and Off. When Overdraft Choice is turned off, your purchases will be declined if there is not a high enough available balance to cover the purchase. When Overdraft Choice is turned on, the optional Overdraft Service is enabled. Take advantage of the many options to pay back any overdraft amounts within 24 hours and avoid fees with:
- Money transfers from Porte’s Savings Account
- Mobile Check Capture4
- Add Cash5 at select locations
- Direct deposits that you receive
- Funds transferred from a debit card6
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What is Overdraft Service?
The optional Overdraft Service1 is Porte’s overdraft protection feature. Once you enroll and meet the eligibility requirements, you will be charged $20.00 for each transaction that overdraws your account by more than $10.00, up to a maximum of five (5) fees per calendar month. To avoid that fee, you have twenty-four (24) hours from the time of the first transaction that creates the overdraft to bring your Account back to a zero ($0.00) or a positive balance.
What is Overdraft Choice?
Overdraft Choice is the feature that allows you to turn the optional Overdraft Service On and Off. When Overdraft Choice is turned off, your purchases will be declined if there is not a high enough available balance to cover the purchase. When Overdraft Choice is turned on, the optional Overdraft Service is enabled. You must be enrolled and eligible for the Overdraft Service to use Overdraft Choice within the Porte app.
How do I get the optional Overdraft Service with Porte?
You may enroll in the Overdraft Service under Account Info in the user profile. You must receive direct deposits totaling at least $400.00 to your Account within thirty-five (35) days of your enrollment in the Service (direct deposits received prior to enrollment count towards this total). You must have a positive Available Balance in your Account at the time we activate the Service on your Account. Once you have met all eligibility requirements, your participation in the Service will be activated within twenty-four (24) hours. Once the Service is activated on your Account, you MUST continue to receive direct deposits totaling at least $200.00 to your Account every thirty (30) days or we will deactivate your participation in the Service.
Do I have to pay for Overdraft Service?
There is no fee to enroll in the optional Overdraft Service. However, you may incur fees when you use the service. Once you overdraft, if you bring your account back to a positive balance within 24 hours, no fee is charged. After 24 hours, you’re charged a $20 fee per transaction that overdrafts your account by more than $10.
How long do I have to pay back the amount I overdraft without a fee?
You have 24 hours from the time of your transaction to repay the funds you overdraft. Let’s say you overdraft your account at 2:00 p.m. on Thursday, then you have until 2:00 p.m. on Friday to add the funds into your account.
You can transfer money from your Savings Account, add cash at one of our partner locations5, receive funds through Direct Deposit, use mobile check capture, or transfer money from a debit card6 to bring your account balance positive.
What type of purchases can I make?
You can only use optional Overdraft Service when making debit purchases and ATM withdrawals. The Overdraft Service may not be used for ACH debit transactions or reoccurring debit transactions.