Overdraft Protection Options

Citicapitol Bank offers flexible overdraft protection options to ensure uninterrupted access to your funds. Our solutions provide peace of mind and help you avoid declined transactions, fees, and financial disruptions.

Linked Account Protection

Automatically transfer funds from a linked savings or secondary account to cover shortfalls and prevent declined transactions.

  • Immediate coverage for checking account shortfalls
  • Flexible linking of multiple eligible accounts
  • Transparent notification of transfers

Line of Credit Coverage

Access a pre-approved overdraft line of credit for protection beyond available balances.

  • Pre-set credit limit tailored to your account history
  • Low-interest coverage for overdrafts
  • Instant funding for transactions when balances are insufficient

Transaction Alerts

Stay informed with real-time alerts that notify you of potential overdrafts, upcoming transactions, or low balances.

  • Customizable alert thresholds
  • SMS, email, or in-app notifications
  • Proactive guidance to manage account balances

Why Choose Citicapitol Overdraft Protection?

Our overdraft solutions are designed for security, convenience, and financial control. Avoid declined payments, manage shortfalls efficiently, and maintain confidence in your day-to-day banking activities.

Seamless Coverage

Your transactions are automatically covered with minimal disruption and instant funding from linked sources or credit.

Financial Control

Manage limits, alerts, and coverage settings directly from your online or mobile banking dashboard.

Peace of Mind

Avoid declined payments, protect your credit reputation, and maintain seamless access to funds at all times.

Security & Regulatory Assurance

Citicapitol’s overdraft protection services comply with regulatory standards, provide full transparency, and incorporate safeguards to protect your funds while maintaining seamless banking operations.

Transparent Terms

Clear terms, limits, and fee disclosures ensure informed financial decisions.

Audit-Ready Records

All overdraft transactions and alerts are securely logged for compliance and review.

Secure Processing

Automated funding transfers and alerts use encrypted channels to protect account data.

Financial Confidence, Every Day

Citicapitol Bank’s Overdraft Protection Options deliver seamless coverage, real-time alerts, and full transparency—ensuring your funds and transactions remain protected, every time you bank.