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Sweeps is an automatic process that allows you to control the balance in your accounts, and best of all, it’s free.
The Standard Sweeps Service (formally known as Overdraft Protection) will automatically transfer funds, in increments of $50, from your designated secondary account to your primary account if your balance drops below $0. For example, if your checking account balance falls to -$80.00, the Sweeps program will automatically transfer $100.00 from your savings account that evening. You will then have a balance of $20.00 in your checking account.
Our Sweeps service can be tailored to meet your needs. You have the option to change the above service to transfer funds in any increment you would like. If you want more than basic overdraft coverage, you can set any minimum balance which allows you to choose the lowest dollar amount in your account. For example, if you set your checking account to have a minimum balance of $100.00 and your account drops to $40.00, the Sweeps program will automatically transfer $60.00 from your savings account to bring your checking account balance back to $100.00.
Interested? Click here to enroll.
If you have questions or concerns please feel free to call 309-389-2551.