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Overdraft Protection

We understand that the unexpected can happen or that math mistakes can occur, and at times you may not have enough money in your checking account to cover a transaction, causing an overdraft to occur. At The Savings Bank, we offer a choice of options designed to protect your account.

Keep in mind, you may choose multiple Overdraft Protection options for additional protection.

Advice and product options designed to protect your account.

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How to Protect Your Account From Overdrafts

The first step in avoiding overdrafts is staying on top of your account balances:

  • Watch your account balances regularly to make sure you don’t go too low. Balances can be checked in Online Banking, via our Mobile App, by phone, or by visiting an ATM or branch.
  • Set up low balance alerts. With our Notifi service, you can set up email or mobile text real-time alerts to get notified when an account goes below a certain threshold that you set.
  • If you do overdraw your account, our overdraft protection options help you cover the overdrawn amount, so you can avoid late fees, bounced checks, embarrassment at the register, and avoid an insufficient funds fee.

Transfer Protection

An automatic sweep to prevent potential overdrafts at no cost to you! You can link up to two eligible accounts to your primary checking account so funds will be transferred automatically at the end of business day processing if you’ve overdrawn your account during the day. Available on retail checking accounts. Click here to learn more about Transfer Protection.

Bounce Protection

The Savings Bank will temporarily cover insufficient funds on checks, electronic and debit transactions, and ATM withdrawals. Enrollment is automatic for check drafts and ACH (electronic) transactions. You must opt in to receive this overdraft benefit for ATM withdrawals and one-time debit purchases.Click here to learn more about Bounce Protection.

Money Reserve Line of Credit

This revolving line of credit is linked to your checking account and requires an application. If you overdraw your enrolled checking account, your Money Reserve Line of Credit will activate to cover your purchase, bringing your enrolled checking account’s balance down to zero and your Money Reserve Line of Credit’s balance up to the amount needed to cover the purchase.

From our customers
“Love everything!”

From our customers
“I’ve used TSB for approximately 40 years. They have always been helpful and kind. Never had an issue. Love banking with TSB and all of the wonderful employees.”

From our customers
“I stay with TSB because I know if I have an issue, I can reach out to an actual person and get help. It is what separates TSB from the big banks.”

From our customers
“Your staff is the best.”

From our customers
“Love the personal connections with the bank personnel.”

From our customers
Friendly, helpful, and pleasant tellers in the Greenwood, Wakefield branch!

From our customers
“The people I encounter at Lakeside and Main Street are always helpful and friendly. I enjoy that they actually care about me even though I am not one of your bigger clients.”

From our customers
“Love the employees at the North Reading Office. They are so friendly and helpful.  The teller and the customer service representative are the BEST!!”

From our customers
“I have been banking here for a number of years. I love this bank! Customer service is awesome. Anytime I had a problem it was resolved professionally.”

From our customers
“The staff in the Methuen office could not be kinder.”

From our customers
“I like the real hometown feel you get with The Savings Bank. Staff at ALL branches are wonderful, making the personal interaction very pleasant.  I have been banking with you since 1978 and have never had even one issue.”

From our customers
“Just great!”

From our customers
“I feel you excel in all areas but I am very appreciative of the kindness with which I have been treated all these years, by everyone at the TSB, whether in person or on the phone.”

From our customers
“I have been banking with TSB for many years and I am very satisfied with them. Why wouldn’t you want to come and bank there?”

From our customers
“I feel you excel in all areas but I am very appreciative of the kindness with which I have been treated all these years, by everyone at the TSB, whether in person or on the phone.”

Talk to The Savings Bank

To find out how The Savings Bank can help you achieve all your financial goals, visit one of our offices, use our contact form, or call us at 800-246-2009.

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