Overdraft Protection

Bounced checks. Declined debit cards. Who wants that? Overdraft Protection* conveniently covers transactions if your checking account balance is less than zero.

Protect Yourself with Automatic Transfers

Stop worrying so much about your checking account balance. Once you’re enrolled in Overdraft Protection*, we will automatically transfer available funds at no charge to you, to the extent they are available, from your linked Mobank savings, money market account, or personal line of credit into your checking account at the end of any business day on which your available balance is less than zero.

Financial Peace of Mind

With Overdraft Protection*, you can stop worrying if someone is taking a while to cash a check or if your purchase costs a little more than you expected. We'll simply transfer available funds from your savings account or personal line of credit into your checking account to cover the insufficient balance plus the Overdraft Protection transfer fee — and you don't have to give it a second thought.

Free Protection

There's no cost to enroll in Overdraft Protection*. When a checking account is linked to a Mobank savings or money market account, or personal line of credit, we will automatically transfer funds from the linked account into your checking account to cover an overdraft at no charge to you.

A Simple Process

Enroll in Overdraft Protection* today, and then forget about it. It's there for you when you need it — automatically. To get started, schedule an appointment, contact a Relationship Banker, or call ExpressBank at (866) 836-0846.

Mobile Alerts

We also offer free Mobile Alerts to let you know if your balance is low. The alerts are easy to set up in Online Banking. And, you can even have alerts sent to multiple email addresses.

Ready to Get Started?

Related Products and Services

Overdraft Protection only works when you use Mobank for both your checking and savings accounts. If you don't already have both set up, compare your options and enroll today: