Home > Additional Services > Overdraft Protection

Overdraft Protection

To protect your checking account from returned transactions, we offer Overdraft Privilege Service. For additional details and restrictions that apply, please contact a personal banker at your nearest branch, or click here for a copy of the Legends Bank Overdraft Privilege Service Policy.


How it Works

  • Eligible accounts are automatically synced to this service.* There are no additional documents to fill out or sign and you may opt-out of this service at any time. 
  • Upon overdraft, payments up to $600 on most personal accounts (or $1,500 for some business accounts) will be considered for payment at our discretion. 
  • There is no cost unless the service is actually used, in which case regular NSF fees apply.

How it Benefits You

  • Helps you avoid expensive returned transaction charges from merchants.
  • Helps prevent the embarrassment and inconvenience of having a denied payment.
  • Qualified payments may go through without delay.

Other Options

  • You may be able to save money on the total amount of fees you pay by setting up an account transfer arrangement with us to cover your overdrafts. 

Contact Us


*Customers will be notified of eligibility after a 30-day review of account activity.