Skip to main content
Fulton Bank
Adjust Text Size:
Expand font size menu

You are currently viewing the site with information specific to your location. To update your location, change your zip code above.

Fulton Bank

Overdraft Services1

An overdraft is when your account doesn't have enough funds to cover transactions such as checks, debit card purchases, and electronic funds transfers. Occasional overdrafts can happen. But we can help. We have a variety of solutions to help you manage your accounts.

Overdraft Protection

Overdraft Protection allows you to link your Fulton Bank checking account to another eligible Fulton account such as a savings, another checking, money market account, or line of credit. If you request this option, we will transfer funds available in these accounts to help cover checks, automatic bill payments, and recurring debit card transactions. There’s a $12 Sweep Transfer Fee per day when the bank transfers money from your connected accounts to pay overdrafts.

Avoid declined transactions

Enrollment in an Overdraft Protection plan is not automatic. Connect with your local branch team to talk about your overdraft options.

OVERDRAFT ELECT™ Provides you options

Overdraft Elect is a service that allows you to determine whether you want us to authorize and pay overdrafts at our discretion. This service applies whether or not you have linked an eligible Fulton Bank account to cover overdrafts. You are automatically enrolled in Overdraft Elect Partial Coverage Election. If you choose, you can also select to opt out of Overdraft Elect entirely or opt-in to our All-In Election plan. There is a $39 Overdraft/NSF Fee per paid or returned item. You can decide what type of Overdraft Election works best for you by using one of our forms below, calling or visiting a branch. 

Choose from three options:

  • Overdraft Elect Partial Coverage Election1The bank may authorize and pay overdraft items for transactions except everyday debit card and ATM transactions. Your eligible account defaults to this option unless otherwise selected.
  • Overdraft Elect All-Out Election - The bank will not authorize and pay overdraft items for all types of transactions including everyday debit card and ATM transactions. 
  • Overdraft Elect All-In Election1 - The bank may authorize and pay overdrafts for all your transactions including everyday debit card and ATM transactions. 
Additional information on our Overdraft Services.

View our Important Consumer Overdraft Information notice


Overdraft Line of Credit

Learn more about our Overdraft Line of Credit as an Overdraft Protection option for your accounts.