Ways to Avoid Overdraft Fees
When three different auto-pays hit on the same Tuesday before your paycheck clears, things happen. Instead of constantly checking our free app or stressing over the timing, you can just set up a few automatic boundaries to do the heavy lifting for you.
Set Up Direct Transfer From Your Savings Account
Your checking account can be linked to your savings account to pull funds in the event you do not have enough in checking account. We will authorize transactions based on available funds in your savings and later sweep those funds into your checking for a small fee.
Use Online or Mobile Banking to Keep track of Your Account Activity
All Garden Savings account offer online and mobile banking, so you can do your banking wherever life takes you. To sign up for this added benefit, click here.
Sign Up For Low Balance Alerts
From the online banking portal you can set up personalized alert emails and text messages. Log into online banking, click “My Settings” at the bottom will be “Alerts & Notifications”. From there you are able to set up the notifications you would like to receive, including a low balance alert to help you avoid risking an overdraft of your account.
Make A Check Deposit Through The Mobile App
Once your online banking is set up you’ll be able to make a check deposit on the go. Simply take a picture of the front and the back of the check to complete a deposit. Usually the first $225 of your deposits are available on the first business day after the date of deposit, unless other limitation apply.
Apply for An Overdraft Line Of Credit
This open-ended revolving line of credit protects you in the event that you overdraft. There are no fees for using this product, but it is a line of credit which charges interest over time.