Alert Icon

More small business loans: Get the financing you need with fast loan processing times and flexible terms, no cash advance fees, and no interest charges until you use the funds. Compare loan options & apply. Apply For Me. For your business, please visit this page.

Alert Exit
Contact
Exit Mobile
CONTACT
contact-exit

Customer Support

Phone:
(1-800-BANCA-75)
Hours:
Monday-Friday: 8:00am-7:00pm
Saturday: 8:00am-12:00pm
After hours? Send us a message
Additional contact options 
MENU

Overdraft Protection Services

Determine the right coverage for you.

Accidentally write a check without the proper funds in your account to cover it? It's easy to lose track of the balance of your account when life gets hectic. Our courtesy Overdraft Protection may help you avoid an uncomfortable situation. Need a little extra coverage? We have a number of additional overdraft protection options so you don't find yourself in a bind.
Courtesy Overdraft
Coverage

Coverage comes standard for eligible Banca di Capital Offshore Financial Services personal checking accounts1.

  • Each occurrence is $36 per item. Your daily overdraft charges are limited to a maximum of eight (8) fees per day. No overdraft fee applies on transactions that overdraw your available balances by $5 or less.

  • Types of transactions covered
    • Checks
    • Other debit payments
Courtesy Overdraft with ATM and Debit Card Coverage

Optional coverage added to Courtesy Overdraft that covers overdrafts for everyday debit card transactions.2

  • Each occurrence is $36 per item. Your daily overdraft charges are limited to a maximum of eight (8) fees per day. No overdraft fee applies on transactions that overdraw your available balances by $5 or less.
  • Types of transactions covered
    • Checks
    • Other debit payments
    • ATM withdrawals
    • Everyday debit card transactions
Overdraft Protection Transfer

Optional coverage that allows you to link your account to another Banca di Capital Offshore Financial Services savings3 or checking account, money market or a line of credit4 that will be used to cover overdrafts.

  • Overdraft Protection Transfer: $7.50 per occurrence. Standard overdraft fees apply for overdrawn payments beyond your available balance.
  • Types of transactions covered
    • Checks
    • Other debit payments
    • ATM withdrawals
    • Everyday debit card transactions

Frequently Asked Questions

Who do I contact if I have questions about my personal loan?

Please Email Us to speak with a loan officer.

Do I need to open different accounts for different currencies?

No, you don't. We offer accounts that support multiple currencies and you can easily manage your finances wherever you are.

Didn't find what you are looking for?

Click here to contact us.

1 We pay overdrafts based on our standard overdraft policy. We do not guarantee that we will always pay any overdraft transaction.

2 Courtesy Overdraft with ATM and Debit Card Coverage is a discretionary service. We do not guarantee that we will always pay any overdraft transaction. Customers must opt in to authorize us to pay overdrafts on ATM and everyday debit card transactions. Customers may also choose to opt out of the Courtesy Overdraft Program. Banca di Capital Offshore Financial Services may pay overdrafts at our discretion and reserves the right to terminate this service at any time. You are  required to pay a $36 overdraft fee for each overdraft transaction that is paid by the bank. There is a limit of $288 each day in total fees that you can be charged for overdrawing your account. Items not paid will be returned and you will incur a $36 returned item fee. Overdraft service applies to checks, pre-authorized electronic debits and online banking and bill payment transactions. Additionally, ATM withdrawls and one-time debit card transactions are covered if you choose to opt into this service for those transactions. Reimbursement of overdraft coverage payments must be made promptly by making a deposit in your account. Overdraft items are generally not covered for accounts that are not in good standing, do not have regular deposits or those with excessive overdrafts.

3 Transaction restrictions may apply. See account agreement disclosures for details.

4 Subject to credit approval. Other restrictions may apply.