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Overdraft Protection

Convenient Coverage

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, to the extent they are available, from your linked Bank of Albuquerque 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.
  • 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.
  • There's no cost to enroll in Overdraft Protection*. When a checking account is linked to a Bank of Albuquerque savings account, 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.
  • 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 800-583-0709.

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?