Overdraft Services

Overdrafts can happen to the best of us: we forget to deposit a check, make a math error or need to make an emergency purchase. At times like these, Columbia's overdraft options help protect you from negative financial consequences, such as non-sufficient funds (NSFs), return fees from merchants or a late payment fees from your creditors.

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Overdraft Protection Plans

If an overdraft occurs, Overdraft Protection transfers are your first line of defense.

How It Works
If there is not enough funds in your checking account to cover a transaction, we can transfer funds in increments of $100 (if from a line of credit, in increments of $50) from another designated account or line of credit. You can designate any of the accounts or loan types listed in the table below. And, all this security is available for the low cost of $3 per use.

Set Up Overdraft Protection Today
To sign up for Overdraft Protection or to verify your designated accounts/loans, visit a branch, call 360.891.4000 or use our handy online chat tool. If you don't already have the accounts open, you can apply online in minutes.

	Overdraft Protection Account Options Savings Account Open Account Money Market Account Open Account Checking Account Open Account Personal Line of Credit Apply for Loan Home Equity Line of Credit Apply for Loan

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Discretionary Courtesy Pay

If you don't have enough funds in your checking account, or through an overdraft protection plan, Columbia may cover your purchase with our Discretionary Courtesy Pay.

• Comes automatically for purchases made by check or through ACH (automatic clearing house).
• For everyday purchases made with your debit card, you will need to opt in to receive Discretionary Courtesy Pay.

If Discretionary Courtesy Pay is used, a $28 overdraft fee applies for this additional safeguard on your checking transactions. As always, we encourage you to manage your finances responsibly. Please view our FAQ for tips on how to avoid overdraft fees.

» Discretionary Courtesy Pay FAQ