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Fulton Bank

Overdraft Services

Overdrafts happen.  But we can help with a variety of solutions that enable you to manage any overdrafts that may occur and save you money on fees. We also offer online and mobile banking to help make money management easier - from wherever you are.

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 line of credit.

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

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

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