Checking Account Overdraft Protection

Check Credit Loan Account

When you apply for a Check Credit Account, upon approval, you and Bank of Galesville mutually agree on a line of credit, depending on your needs and your credit history. When your checking account is overdrawn, the bank transfers money, in increments of $100, into your checking account.

The repayment plan is simple and automatic. Each month, the bank will automatically deduct a specific amount (based on your loan balance) from your checking account ten days after your monthly statement is produced. In addition to the automatic payment, you can repay any or all of the balance at any time.

Overdraft Protection Account

You designate a savings or money market account to serve as your “overdraft protection account”. Then, if you should inadvertently overdraw your account, we will automatically transfer funds into your checking account to cover the insufficient balance. Transfers can be made for the amount needed to cover the item(s) or for a fixed amount.  There is a $5 charge for each transfer made.


For more information about either option, contact us.

FDIC Insurance Information

For information about FDIC insurance coverage of transaction accounts, please visit the FDIC website.

Lost/Stolen ATM Card

A lost or stolen credit or debit card needs to be reported immediately!

Bank of Galesville Visa Credit Card Holders

Bank of Galesville Debit Card Holders