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Overdraft Protection

Overdraft Privilege

Add additional protection to your account with of one of Mercantile's Overdraft Protection options. We have three different options to fit your individual needs. Simply choose the plan that fits your needs and we'll make sure you never have to worry about a returned check again. See a banker for more complete information on the option that is best for you.

  • Overdrafts from checks are covered up to a pre-approved limit (debit card transactions may be added to this coverage)
  • Pay only when you use Overdraft Privilege service
  • Checks may be paid up to your pre-approved limit
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Account Link

Add additional protection to your account with of one of Mercantile's Overdraft Protection options. We have three different options to fit your individual needs. Simply choose the one that fits your needs and we'll make sure you never have to worry about a returned check again. See a banker for more complete information on the option that is best for you.  

  • Overdrafts are covered by funds from a secondary Mercantile account
  • Use combined qualifying accounts any way you choose
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Safety Net Advance

Add additional protection to your account with of one of Mercantile's Overdraft Protection options. We have three different options to fit your individual needs. Simply choose the one that fits your needs and we'll make sure you never have to worry about a returned check again. See a banker for more complete information on the option that is best for you.

  • Overdrafts are covered by funds from a line of credit
  • Cash advances when check exceeds available balance
  • Pay a low $25.00 annual fee and interest accrual only on unpaid balance (subject to credit approval)