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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.

Courtesy Pay

The inconvenience, expense and embarrassment of returned checks and declined debit cards are things of the past. That's because Courtesy Pay allows us to cover certain transactions that would normally be returned for insufficient funds. Courtesy Pay:

  • Gives you peace of mind - You don't have to worry that an item will be returned unpaid or your debit card will be declined because you are a few dollars short.

  • Saves you money - Merchants charge $30, $35 or more when a check or ACH debit is returned for insufficient funds. With Courtesy Pay, the merchant is paid in full.

  • Protects your credit - Because your item has been paid, merchants don't have a reason to turn you over to a collection agency or prevent you from writing checks in the future.

Courtesy Pay is available on all of Columbus Metro's checking accounts. If your account is in good standing, we may, at our discretion, pay overdrawn checks and ACH withdrawals up to $300 (up to $100 for Metro Merit accounts), including fees. You can also extend Courtesy Pay coverage to your debit card transactions by completing our opt-in form. It will be your responsibility to bring your account balance positive as quickly as possible. (We're sure you'll want to preserve your good standing so you can continue to use this valuable service!)

Still have questions? Check out our Courtesy Pay FAQ for more information.


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