Overdraft Protection
planning is key
Anyone can make a mistake. That's why we offer several options that may protect you if your checking account comes up short.
Account Coverage
Overdraft Protection with ACCOUNT COVERAGE (Overdraft Transfer Agreement required). Use an eSavings, Statement Savings, or Select Money Market as overdraft protection for your checking account.
Overdraft Line of Credit
The embarrassment of having a bounced check is gone! With overdraft protection, funds are automatically transferred to your checking account in $50 increments to cover checks that you have written. The line is available up to $5,000. Subject to credit approval.
Bounce Protection
Bounce Protection is a discretionary overdraft service requiring no action on your part that provides you a safety net up to an automatically assigned overdraft limit.
If an overdraft is approved by using your Bounce Protection limit, you may be assessed our Overdraft service charge (per item, daily limit $140) of $35 for each item created by check, in-person withdrawals, ATM withdrawals or other electronic means paid under the limit. All negative balances must be brought positive within 30 calendar days. QNB reserves the right not to pay if account is not kept in good standing. You will be charged an NSF/Overdraft SC (Item Returned) fee of $35 for each item returned. Returned Items may be presented for payment by the payee or their financial institution multiple times, which may result in multiple NSF/Overdraft service charge fees. It is our policy not to charge for re-presentments. Please contact a Financial Service Representative for more details.
