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A guide to understanding overdrafts.
At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and potentially embarrassing experience. Overdrawing your account can occur when you write a check, use your debit card or make another type of withdrawal from your account but don’t have the necessary funds.

At Northway Bank, we discourage overdrafts. As always, we encourage you to manage your finances responsibly. However, we want to save you from the additional merchant fees and possible damage to your credit history that might result if a check is returned. That’s why we provide a number of solutions that can help you avoid the occurrence of overdrafts.

It’s important you know your options and understand how they work. We invite you to learn more through the resources below.

Avoiding Overdrafts
Ways to avoid overdrawing your account.



Special measures you can take to protect against an overdraft.

Covering an Overdraft
Ways to cover an overdraft should the need arise.


Additional guides and materials on overdrafts.


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