Products | Checking | Overdraft Protection

Overdraft protection gives you peace of mind.

You'll never have to worry about the inconvenience and expense of returned checks, Debit MasterCard^® transactions or automatic debits with overdraft protection from Columbus Metro. For your convenience, we offer two plans: overdraft from savings and Metro Line, our personal credit line.

Overdraft from savings

Every member with a checking account receives overdraft from savings, which automatically transfers funds from your primary share to your checking account to cover checks and other transactions. In order for a transfer to take place, sufficient funds must be available in your primary share account.

If a transfer of funds is necessary, it will be reflected on your monthly statement as well as on MetroWeb and MetroTeller. There is no charge for an overdraft transfer from savings; transaction limitations apply. Please note that overdraft from savings will not automatically advance funds to cover a payment scheduled through MetroWeb Bill Pay.

Metro Line

You can also apply for Metro Line, our personal credit line. Depending on your credit limit, Metro Line puts an additional $500 to $10,000 at your disposal and offers further protection against costly fees for returned checks and check card transactions. For more information about Metro Line, click here or call one of our lending professionals at 614.239.0210 or 800.986.3876.

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