Overdraft Transfer Service

Help protect your checking account from becoming overdrawn by automatically transferring available funds from a linked savings or Money Market account, or a different checking account, when you don’t have enough money to cover a transaction.

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How overdraft transfer service works

Sign up for our Overdraft Transfer Service in the Civic app and link your designated Civic deposit account to help cover insufficient funds in your checking account. If there’s not enough money in your account to cover transactions, we’ll automatically move funds from your linked account to cover a negative balance.

You avoid an insufficient funds charge (NSF) and will pay only $0.50 for each transfer, up to your available balance in the account you’ve chosen to cover. You may also apply for an overdraft line of credit from which transfers are made in increments of $50 up to available limits. Whether you’re caught off guard by an unexpected expense or simply forget to manually transfer funds, this service helps provide an extra layer of protection to avoid declined transactions.

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Enroll today to cover your transactions

Make your accounts work for you. Opt-in to overdraft transfer in the Civic app or online banking, or call the Experience Center for assistance at 844-772-4842.

See quick steps to make this happen

Transfers

Renew or transfer a Choice Certificate Add cash with barcode Make a transfer Add external transfer Schedule reoccurring transfer View scheduled transfers Edit scheduled transfer Skip scheduled transfer Cancel scheduled transfer

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Move your money

It’s safe and easy to make transfers from an external bank or credit union in the Civic app.

Download the app

Get the Civic app¹ to unlock fast, easy and secure ways to manage your money.

Life is digital

So are these everyday financial tools

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You know the details matter (and you are in good company)

Here are a few FAQs

How do I set up direct deposit?

Getting started with direct deposit can be as easy as providing your account number and the Civic routing number (253184537).

Many employers and government entities that provide direct deposit payments will have their own paperwork, so it is vital to check with them first. If there is no set form required by the paying entity and the requirement is only to submit your request in writing, then simply download and complete the Civic Direct Deposit Authorization Form.

Civic Direct Deposit Authorization Form

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1 Message and data rates may apply.