How we handle
overdrafts

A commonsense approach that's designed to help you avoid many typical overdraft situations and fees.

Overdraft Overview

Overdraft Election

Overdraft Protection

Overdraft Fees

Helpful Tools

Tools to Help Avoid Overdrafts

Here are some tools you can use to help monitor your account, prevent overdrafts, and reduce overdraft fees.

Set up alerts

Know when your account balance is low, when deposits have been made, and when transfers happen with customized alerts to stay updated.

Manage your balances

Help manage your account balances by maintaining a list or a check register (received in your checkbook order) to record expenses, including checks that have not yet cleared, ATM/debit purchases, and automatic payments.

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Use digital banking services

Use digital banking services to check your balances and spending habits. Within Online and Mobile Banking, you are also able to transfer funds from another Santander account.