If you choose Free Savings Transfer as your overdraft protection option, we’ll withdraw money automatically from a designated Savings account when transactions cause your 360 Checking/Total Control Checking/Simply Checking balance to dip below $0.

• When one or more transactions take your 360 Checking/Total Control Checking/Simply Checking balance below $0 and you have enough money in your savings to cover it, we’ll just transfer over the total amount needed at the end of the day.
• There are no charges or fees for using Free Savings Transfer.
• If a transaction exceeds the amount you have available in your designated savings account, it’ll just be declined.
• If you have 6 or more withdrawals of any kind from your designated savings account within a given month, we'll generally decline transactions your checking can't cover for the remainder of the month.
• You can only choose one savings account as your overdraft protection, but can change at anytime.