How much can I overdraft my checking account

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Bank overdraft fees and limits

  • Bank of America overdraft limit 6 per day

    • $35 per transaction.
    • Bank of America overdraft coverage lets you connect another account to your checking account in case your main account is out of funds. They might charge transfer fees in some cases.

  • Bank of the West overdraft limit 4 per day

    • $35 per transaction.
    • $30 extra charge if your account balance is below zero for 6 days.
    • Overdraft protection lets you connect another savings or money market account to your checking account in case your main account is out of funds. Transfers are charged with fees and they are made in chunks of $50 only.
    • Gold Line Account: Special overdraft line of credit is available.

  • BB&T Bank overdraft limit Varies

    • $35 per transaction. But it can be waived if the overdraft is under $5 at the end of the day.
    • Overdraft protection lets you connect a savings account to your checking account in case your main account is out of funds. Each transfer will cost you $9.

  • BMO Harris Bank overdraft limit 4 per day

    • $35 per transaction. But it can be waived if the overdraft is under $5 at the end of the day.
    • Connect a deposit account to your checking account for automatic coverage when you are out of funds. Fees may apply for each transfer.
    • Special overdraft protection line of credit is available.

  • Chartway Federal Credit Union Unlimited

    • $35 per transaction, but you can waive the fee if the overdraft is under $10 at the end of the day.
    • Connect a savings or another checking account to your main checking account for automatic coverage when you are out of funds. However, each transfer will cost you $6.
    • Special overdraft line of credit is available.

  • Chase Bank overdraft limit 3 per day

    • $34 per transaction.
    • Overdraft protection lets you connect a savings account to your checking account in case your main account is out of funds. You will pay a fee for each transfer.

  • Citi Bank overdraft limit 4 per day

    • $34 per transaction.
    • Connect a savings account to your checking account in case your main account is out of funds. You will pay a fee for each transfer.
    • Checking Plus: special overdraft line of credit is available.

  • Connexus Credit Union overdraft limit $300

    • $29.95 per transaction.
    • Maximum limit of $300 total.
    • Overdraft protection lets you connect a savings account to your checking account in case your main account is out of funds. You will pay a fee for each transfer.
    • Overdraft line of credit is available.

  • Fifth Third Bank overdraft limit 5 per day

    • $37 per transaction. However, you can waive the fee if the overdraft is under $5 at the end of the day.
    • Overdraft protection lets you connect a savings account to your checking account in case your main account is out of funds. You will pay a fee of $12 for each transfer.

  • First National Bank overdraft limit 4 per day

    • $28 per transaction, but you can waive the fee if the overdraft is under $20 at the end of the day.
    • Overdraft protection lets you connect a savings account to your checking account in case your main account is out of funds. $5 transfer fee is included.
    • Overdraft line of credit is available.

  • HSBC overdraft limit $10 per day

    • The limit is $10 per day and it's available only for customers who opt in the Select Credit overdraft coverage program.
    • If you don't opt in the Select Credit program, your transactions will be declined when the account balance reaches $0.

  • KeyBank overdraft limit 4 per day

    • $39 per transaction.
    • Overdraft protection lets you connect any KeyBank account to your checking account in case your main account is out of funds.
    • Overdraft line of credit is available.

  • M&T Bank overdraft limit 5 per day

    • $38.5 per transaction. But you can waive the fee if the overdraft is under $5 at the end of the day.
    • Connect a savings account or a Visa credit card to your checking account for automatic coverage when you are out of funds. A $12.5 fee applies for each transfer.

  • Navy Federal CU overdraft limit 3 per day, $500 per day

    • $20 per transaction. However, you can waive the fee if any transaction is under $5, and if the total overdraft is under $20 at the end of the day.
    • Connect a savings account to your checking account for automatic coverage when you are out of funds. However, you can use it only 6 times per month.

  • PenFed Credit Union overdraft limit Unlimited

    • $30 per transaction.
    • A dedicated line of credit is available.

  • PNC Bank overdraft limit 4 per day

    • $36 per transaction. Additionally, there is an extra fee of $7 per day in negative balance (5 days max).
    • Connect any other of your PNC accounts to the checking account for automatic coverage when you are out of funds.

  • Regions Bank overdraft limit 6 per day

    • $36 per transaction.
    • Overdraft protection lets you connect any of your Regions Bank account to the checking account in case your main account is out of funds. You will pay a $15 fee per day of transfer.

  • SunTrust Bank overdraft limit 6 per day

    • $36 per transaction, but you can waive the fee if the overdraft is under $5 at the end of the day.
    • Connect any of your other SunTrust accounts to your main checking account for automatic coverage when you are out of funds. However, you will pay a $12.5 fee for each day of transfers.

  • TD Bank overdraft limit 5 per day

    • $35 per transaction, but you can waive the fee if the overdraft is under $5 at the end of the day.
    • Connect a savings account to your main checking account for automatic coverage when you are out of funds. However, a $10 daily fee applies.

  • U.S. Bank overdraft limit 4 per day

    • $36 per transaction.
    • Connect any backup account to your main checking account. $12.50 daily fee for Standard accounts, $7.50 for Gold accounts, for Platinum accounts its free of charge.

  • Wells Fargo overdraft limit 4 per day

    • $35 per transaction.
    • You can connect 2 backup funding accounts to your main checking account. Transfer fees are charged daily.

Instead of figuring out how much can you overdraft your checking account, OverdraftApps suggests to avoid from overdrafting altogether. Easier say than done, we agree. But here are three concrete steps to reduce your overdraft habit:

1) Monitor your account balance

2) Try to get your overdraft fees waived

3) Use cash advance apps like Dave or apps like MoneyLion that can help go through the end of the month for very low APR loans.

If you still feel like “I need a loan“, you should check that article in which we explain how to take a loan without getting ripped off.

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How much can I overdraft my checking account?
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How much can I overdraft my checking account?
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If you're asking yourself "how much can I overdraft my checking account" you are in the right place. We prepared this list of all overdraft limits and fees for each of the major banks.
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OverdraftApps.Com
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About Author

Johnathan has been an editor for financial blogs and magazines for over 10 years, and now serves as the Chief Editor and Founder of OverdraftApps.Com. He holds a B.A. and M.A. in Economics.