You may choose to use one of the accounts or loans shown below, or you may use certain combinations of these accounts and loans as your Overdraft Protection sources.

Link your Checking Account to any Share Account under the same member number.

If you accidentally overdraw your checking account, we will automatically transfer the amount necessary to cover the overdraft from the available balance in the share account (regular share or money market account).

Please note: If you are opening your checking account online and wish to use your money market account as your overdraft protection source, please contact our Call Center at 850-747-4300 (888-896-3255, toll-free).

Governmental Regulation D restrictions apply to such transfers.

Fee:

  • One FREE Overdraft Transfer per month
  • $3.00 fee per item, if in excess of one per month

Link your Checking Account to your Tyndall Credit Card or Line of Credit.

If you accidentally overdraw your checking account, we will automatically transfer the amount necessary to cover the overdraft from the available balance on your credit card or Line of Credit.

Fee:

  • One FREE Overdraft Transfer per month
  • $3.00 fee per item, if in excess of one per month
  • Interest on the amount advanced accrues as of the date of the advance

Link your Checking Account to a combination of the Tyndall accounts or loans shown above.

The sources of Overdraft Protection are accessed in the order of your choice. You may use up to two accounts and one loan as Overdraft Protection sources.

Fee:

  • One FREE Overdraft Transfer per month
  • $3.00 fee per item, if in excess of one per month

For example:

  • Use your regular share account as your first Overdraft Protection (ODP) source and your credit card as your second ODP source.
  • Use your regular share account as your first ODP source, followed by your money market account as your second ODP source. Plus, you may wish to use your Line of Credit as your third ODP source.

If you have any questions about Overdraft Protection or if you would like to set up your Overdraft Protection options,

  • Speak with a Financial Service Representative at any of our convenient branch locations, or
  • Contact our Call Center at 850-747-4300 (888-896-3255, toll-free).