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Overdraft Protection Options

At Northrim Bank, we strive to provide you with the resources and knowledge to make informed financial decisions. We understand that sometimes you need extra protection for your checking account. That is why we offer overdraft protection options to fit your needs, giving you peace of mind and avoiding the inconvenience of a rejected check or debit card transaction.

First, it is important that you understand what is meant by the term “overdraft”. An overdraft occurs when you do not have enough money in your checking account to cover a transaction, but we pay it anyway. As a benefit to our customers, we offer overdraft coverage options in the event you inadvertently overdraw your checking account. 

Overdraft Protection
Overdraft Protection allows you to link your checking account with a qualified savings account or personal line of credit. If you overdraw your checking account, we will transfer available funds from your linked account to cover the overdraft. Visit your local branch or call our Customer Service Center to sign up.
Standard Overdraft Process

As part of our standard overdraft coverage, we pay overdrafts for these types of transactions:

  • Checks and other transactions that use your checking account number
  • Automatic bill payments from your checking account
Debit Card Overdraft Process

Our Debit Card Overdraft Process allows Northrim Bank to pay overdrafts on your everyday debit card transactions completed at the time of purchase. We do not authorize and pay overdrafts on debit card transactions unless you ask us to do so. By opting in to the payment of debit card transactions completed at the time of purchase, you will allow Northrim to pay the overdraft when you do not have sufficient funds. If you do not enroll, debit card purchases generally will be declined at time of purchase when you have insufficient funds to cover these transactions.

If you want us to authorize and pay overdrafts on your debit card transactions call our Customer Service Center, sign in to Online Banking and click on the 'Enroll in Debit Card Overdraft' link under the Additional Services tab, or download and complete our Debit Card Overdraft Enrollment form and present it at any of our branch locations or mail it to:

Northrim Bank
Item Processing Department
P.O. Box 241489
Anchorage, AK 99524-1489

The best way to avoid overdrafts is to always know how much money is in your account. With Northrim Online, Mobile and Text Banking we make it easy for you to monitor and manage your finances anytime, anywhere.

What fees will I be charged if Northrim Bank pays my overdraft?

Under our standard overdraft practices, we will charge you a fee each time we pay an overdraft.

Non-Sufficient Available Funds (NSF) Fees

NSF Charge on Items Paid or Returned
Transaction Amount:
Up to $10.00 $10.00 each
$10.01-$20.00 $20.00 each
Over $20.00 $27.00 each

Fee applies to NSF created by check, in-person withdrawal, or ACH withdrawal. Maximum 5 fees per day including POS NSF charges.

POS NSF Charge
Transaction Amount:
Up to $10.00 $10.00 each
$10.01-$20.00 $20.00 each
Over $20.00 $27.00 each

Fee applies to NSF created by point of sale transactions at the time of purchase using your debit card. Maximum 5 fees per day including regular NSF charges.

You will be charged no more than 5 overdraft fees per day for payment of overdrafts on your account. We pay all overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay every transaction. Should you become overdrawn you will have 27 days to repay the overdraft.

We want you to make an informed decision on the type of overdraft protection that best suits your banking needs. If you have any questions or concerns, visit your local branch or call our Customer Service Center.

Debit Card Overdraft Information Request Form

Would you like us to contact you to help you enroll in Debit Card Overdraft Coverage? Simply fill out the form below and we will contact you during our normal business hours.



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