Skip Navigation Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader.
Photo of Lakes Region, NH

Customer Service


24-Hour Telephone Banking



Access to your Northway Account


What can we help you find?

Overdraft Prevention and Protection

An overdraft may occur when items presented for payment from your checking account exceed your available balance.

There are ways to avoid overdrawing your account, but unexpected expenses happen and unforeseen problems arise. We offer overdraft services that help reduce the hassle of checking account overdrafts, in the event they occur.

Visit your local branch or call us at 800-442-6666 to find out more about your overdraft services.

Good account management will help you avoid overdrafts. Use the tools below to stay on top of your account activity.
  • Carefully review your monthly statements
  • Monitor account activity through Online and Mobile Banking
  • Set up low balance or other alerts on your account
  • Use 24-Hour Telephone Banking to access account information
  • Check balances quickly through Text Banking

Protect your accounts. We know that circumstances can crop up where you might need access to more money than you have available in your checking account. For occasional instances like these, we have two solutions available.

Overdraft Sweep
This service allows you to set up an automated transfer between your checking account and another deposit account at Northway Bank. As long as there is a sufficient balance in your linked account, Overdraft Sweep will automatically transfer funds to cover any overdraft transaction in your checking account. Overdraft Sweep adds convenience and peace of mind by automating the transfer process and ensuring that you never forget to transfer the right amount.

Reserve Credit
Reserve Credit is a line of credit for the purpose of protecting against overdrafts. Ask your local branch or call us at 800-442-6666 and ask for Customer Service to inquire about how to apply for a Reserve Credit line of credit. Subject to credit approval.

• Overdraft Sweep Fee: $7.00 sweep fee per transfer.*
• Reserve Credit: There is no fee for using your line of credit. The only cost will be interest owed based on outstanding balances.

*There is no fee for TrueNorth Relationship Checking Account customers.

It is always best to avoid overdrawing your account, but sometimes it is better to pay than have your check or other payments returned.

Please be aware that Overdraft Protection does not automatically include everyday debit card purchases and ATM withdrawals on personal accounts. If you would like to have Overdraft Protection on your ATM withdrawals and everyday debit card transactions, you will need to opt-in to the service by filling out an A-9 consent form (for personal accounts only). The form is available when you open an account, at any branch, or you can request one be mailed to you. You have the option to revoke your consent at any time.