Overdraft Coverage Options

We Make it Easy to Avoid Overdraft Fees on Your Account.

Take some of the work out of managing your cash flow. Protect your accounts from costly and inconvenient overdraft fees.

Overdraft Protection Link to Another Deposit Account ›
Arrange to make automatic transfers from your savings to your checking account when your balance falls below zero.

Overdraft Protection ›
Attach a First Reserve Loan line of credit to your checking account that provides overdraft protection.

Overdraft Privilege ›
Unexpected overdrafts occur from time to time.


 Overdraft Coverage Cost

 

ODP Cost Chart

 

Overdraft Privilege

If you want to authorize and pay overdrafts caused by ATM and everyday debit card transactions (Extended Coverage), tell us by using one of the following methods:

  • Complete the online consent form by logging into online banking
  • Call 1-800-359-8092
  • Print the online consent form in online banking and present it at a local branch or mail it to:
    PO Box 607, Watford City, ND 58854
  • Visit one of our convenient local branches

Learn more about Overdraft Privilege.
Complete disclosures available here.

Note: Business accounts automatically have access to Overdraft Privilege for ATM and everyday debit card transactions (Extended Coverage).