Overdraft Protection. Our free overdraft protection service will link your checking account to your savings account and/or a personal line of credit, if applicable. Overdraft protection covers checks and electronic payments and will automatically be activated if you do not have sufficient funds in your checking account to cover a check or payment but do have sufficient funds available in your savings account or on your line of credit. If available, the funds will automatically be transerred and a $10.00 transfer fee will be debited from your account. This service is added to all accounts opened after September 1, 2001. If you opened your account prior to September 2001, you may have elected to add this option. If you opened your account prior to this date, and wish to add this service, please contact the Member Service Department.