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Overdraft Privileges

What's the best overdraft protection option for you?

TOPS (Transfer Overdraft Protection Service)

Transfer from your Bank of New Hampshire savings or checking account to cover an overdraft on your Bank of New Hampshire checking account.  A fee of $10 will be charged each day a transfer is made from the linked savings or checking account. 


PowerLine*

Powerline is a line of credit that is tied to your checking account.  Bank of New Hampshire will automatically transfer funds in increments of $100 up to your approved line of credit to cover an overdraft on your personal checking account.  You will be charged interest for any advances against your line of credit from the date an advance is made.  

*Subject to credit approval. 


Courtesy Overdraft**

The bank covers your overdrafts up to a predetermined amount.

 **Overdrafts may be created by check, in person withdrawal, ATM withdrawal, everyday debit card transactions, ACH or other electronic means. Payment of overdrafts under the courtesy overdraft program is discretionary.  We will not authorize and pay overdrafts for ATM or everyday debit card transactions without your opt-in. For consumer accounts, a fee of $32 will be charged for each overdraft paid, (up to a maximum of $160 per day). Consumer accounts overdrawn by less than $10 for the day will not be assessed any fees for overdrafts paid that day. For commercial accounts, a fee of $35 will be charged for each overdraft paid. Any account overdrawn 7 or more consecutive business days will be charged a daily overdraft fee of $5 per day, beginning on the 7th business day the account is overdrawn.  Overdrafts must be repaid within 30 days.


Stop by your local office or call our Customer Solution Center at 1-800-832-0912 for more information regarding any of the overdraft options available to you, to opt-in to courtesy overdraft, or to revoke your opt-in. An additional opt-in is required in order for us to pay overdrafts resulting from ATM or everyday debit card transactions. You may revoke this opt-in at any time by visiting a local office or telephoning us at the above number.