You can protect yourself from the inconvenience of declined transactions and the additional fees normally charged to you by merchants for items returned. With our Overdraft Courtesy and Overdraft Courtesy Plus services, if you inadvertently overdraw your account, we may cover your overdrafts up to a certain amount. Overdraft Courtesy and Overdraft Courtesy Plus are not lines of credit; they are complimentary services we are pleased to offer our customers. At our discretion, we may authorize the payment of items that could result in an overdraft to your account.

Additional Overdraft Protection options include AccountLink and Overdraft Protection Line of Credit. These services provide for available funds from another Carolina First deposit account or line of credit to be transferred automatically to your checking account, guarding you against unexpected cash flow shortages.

Apply for Overdraft Protection
Call 800.238.8681 or stop by a local branch.

Overdraft Protection Type	Source of Overdraft Protection Funds	Fee	Additional Information
AccountLink	Balance transfers from a linked checking or savings or money market	$9 per daily transfer fee	No charge for Exceptional Checking customers
ODP – Line of Credit	Balance transfers from Line of Credit	$27 annually plus interest on outstanding balance	Subject to credit approval
Overdraft Courtesy	Mercantile Bank may, at its discretion, authorize the payment of checks, ACH, recurring debit card transactions, and bill payments that could result in an overdraft to your account.	Overdraft Courtesy is a complimentary service; however, an Overdraft Item fee will be charged for each item paid. A negative account balance must be repaid immediately.	Standard overdraft service that comes with personal checking account
Overdraft Courtesy Plus	In addition to basic Overdraft Courtesy protections, Mercantile Bank can also authorize and pay ATM and everyday debit card transactions that cannot be covered solely by the balance in your checking account.	Overdraft Courtesy Plus is a complimentary service; however, an Overdraft Item fee will be charged for each item paid. A negative account balance must be repaid immediately.	Customers must enroll in Overdraft Courtesy Plus to receive overdraft protection on ATM and everyday debit card transactions. (Click here to enroll.)