Overdraft Protection

Always Be Prepared!

We've all been there. The check gets to the bank before the deposit. Or maybe you just forgot to carry the one when you balanced your checkbook. Don't incur the fees and headaches of a bounced check. Be prepared. Let Illini Bank help by setting up one of our Overdraft Protection options.

Auto Transfer from Savings

Link your savings account to your checking! Then if your account becomes overdrawn, we will automatically transfer funds, in increments of $200 or up to the balance available, for a $2.00 fee per transfer.

Illini Check Guard Line of Credit

Illini Bank offers Illini Check Guard overdraft protection (upon credit approval) on any checking account for a low $20.00 annual fee, and a $7.00 per transfer fee.

Transfers are done in $200 increments. Funds are automatically advanced to cover overdrafts up to your approved credit limit. Application available upon request. Contact us for more details and to see if you qualify for any discounts. **

For assistance in setting up Overdraft Protection, please contact an Account Representative or visit any of our convenient Locations.

** Specials, discounts and packages are offered based on relationship with Illini Bank.