Personal Overdraft Protection

Guard against returned checks with automatic transfer options. We offer a convenient way to protect you from costs associated with returned checks. It's easy to make a mistake; let us help you protect yourself.

Choose amongst three great automatic transfer options: Savings or Money Market account, Personal Line of Credit or a First Interstate Mastercard®. All three options are activated automatically, so the transfer covers your transactions before you get into an overdraft situation.

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Choose between three great automatic transfer options

Savings/Money Market Account

You can designate your First Interstate Savings or Money Market Account as the source to cover any overdrafts in your checking account. There is no charge for this service.

The advantages of choosing this option are:

There are no interest charges, unlike a line of credit or credit card.
The limit for your overdraft coverage is as large as your Savings or Money Market balance.
Your monthly statement details the transfers between your accounts.
Review transactions via Online Banking and Day & Night Telephone Banking.

You will be assessed a $10 Excess Withdrawal Fee for each transfer or withdrawal after six (6) of the following transaction types in a service charge cycle:
- Withdrawals or Transfers to another account of yours or to a third party by means of pre-authorized or automatic transfer, or made by telephone (including data transmission), computer, check, draft, debit card, or similar order (including POS transactions) to a third party.
- The fee will not apply to transactions made in person, at an ATM, or by mail.

Personal Line of Credit

Personal Lines of Credit can save you the inconvenience of returned checks and the cost of overdraft fees. The Line of Credit can be attached to your checking account, and it will automatically activate if you overdraw your account. There is a $5.00 transfer fee for this service.

Pay interest only on what you actually use.
Outstanding balances can be paid in smaller increments over time
Transfers will happen automatically- no need to manually advance funds
Enjoy unlimited transfers with a Personal Line of Credit (up to credit limit).
Review transactions via Online Banking and Day & Night Telephone Banking.

Rate subject to change. Personal Lines of Credit require credit approval and applications can be obtained at your local First Interstate branch. Excludes Home Equity Line of Credit.

First Interstate Mastercard®

Another great option for protecting against overdrafts is your First Interstate Mastercard®. Transfers occur in the amount needed to cover the overdraft plus the transfer fee, and there are no set-up charges. There is a $5.00 transfer fee for this service.

There are some real advantages to choosing this option:

Transfers will not exceed $500 per day and if the total amount of the overdraft exceeds $500, the entire overdraft advance request will be declined.
Outstanding balances can be paid back in smaller increments over time.
Your monthly credit card statement details the transfers between your accounts

For more information on First Interstate Bank credit cards, stop by or call your local First Interstate branch or view more information about our Credit Cards.