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Overdraft Protection

Eliminate the embarrassment and frustration that comes with a declined debit card transaction or returned check for insufficient funds.

Our automated overdraft protection allows you to have peace of mind knowing that checks will be honored up to the overdraft privilege limit. 

When you open a Greer State Bank personal checking account*, we will automatically provide you with an overdraft limit of $500. If you overdraw your account, Greer State Bank will cover your checks up to a combined total of $500. All you pay for this privilege is the Greer State Bank standard fee ($38) for each item that overdraws your account. 

Greer State Bank does not provide overdraft protection with regards to your checking account to cover ATM withdrawals and everyday debit card purchases.  However, after August 15, 2010, we will begin offering this service to provide automatic overdraft coverage if you authorize us to do so.

By opting in, you'll avoid the inconvenience and embarrassment of having a debit card transaction declined at your local grocery store or favorite neighborhood restaurant.  

As an alternative to our overdraft privilege service, Greer State Bank offers automatic transfers from your Greer State Bank savings account or line of credit.  These transfers cover items clearing your checking account, giving you peace of mind and saving you the hassle of a returned check.  All you pay for this service is $10 per transfer.  Please contact a Relationship Banker to sign up.

*Student accounts excluded. Greer State Bank reserves the right to refuse any transaction.