Your safety net for unexpected expenses.
Life's financial twists and turns don't have to catch you off guard. Our overdraft solutions are more than just a safety net—they're proactive financial tools designed to help you stay in control. Whether it’s an unexpected bill or a momentary miscalculation, we’ve got your back every step of the way.
Automatic Transfer Service
Let a linked savings account1 help you avoid overdraft or insufficient funds fees, as well as potential negative impacts to your credit score. With our Automatic Transfer Service, funds are automatically moved to your checking account when needed.
- Transfers in $100 increments (based on available funds)
- No repayment necessary
- Fee only applies if a transfer occurs2
Ready to get started? Connect with a Personal Banker—they’ll help you set up your automatic transfer in no time.
Overdraft Protection (ODP) Account
Our ODP Account is a pre-approved line of credit3 tied to your checking account that steps in when your balance gets a little too low. It’s a simple way to stay covered and keep things running smoothly.
- Transfers in $100 increments (based on available limit)
- No daily or per-transfer fees4
- Repayment required, with interest
Interested in this option? Stop in or talk with a Consumer Loan Officer—they're happy to walk you through the process.
Still have questions? We're here to help.
If you're unsure which overdraft solution is the right fit, our team is happy to talk it through with you. Whether you're looking for convenience or a little extra protection, we'll help you find the option that works best for your financial habits.
We understand that managing money isn't always easy. If overdraft fees are becoming a concern, it might be time to take a fresh look at your budget and goals. We're here to support you with personalized guidance and helpful tools that make banking easier.
Use our eBanking or Mobile Banking services to keep an eye on your account balance anytime. You can also set up balance alerts available through text, email, or online banking, so you're notified when your account dips below your preferred threshold. And if your account is ever at risk of overdrawing, remember—a same-day deposit during regular banking hours can help you avoid a fee.
We have your best interest in mind and do everything we can to protect your funds and your future. If you're struggling with overdraft fees, it may be time to speak with a Personal Banker to help you set goals while managing your spending habits. Utilize our other digital banking services, such as eBanking or Mobile Banking, that can make it easy to check your balance daily. You can also set up balance alerts available through text, email, or online banking, to let you know when your account balance falls below your set threshold. If your account is about to overdraw, you can avoid an overdraft charge by making a deposit the same day within regular banking hours to avoid an overdraft.
Personal Checking
Explore our Personal Checking accounts. With great options and useful services, we've got something for everyone.
Saving Solutions
Discover our Savings Accounts tailored to suit your financial goals.
Other services we think you might like
Bill Pay
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Common Questions
What is an overdraft?
When you write checks, use your ATM card or make a debit card transaction for more money than what is in your account, you create an overdraft or a negative account balance. This can result in fees.
How can I avoid bank overdraft fees?
There are numerous ways to avoid overdraft fees. Overdrafts and fees can be avoided by setting up an Overdraft Protection (ODP) loan or an automatic bank transfer of funds from another AbbyBank account, typically a savings account. Using either of these overdraft protection options will ensure there is enough money in your account and avoid an overdraft fee. You can also monitor your accounts through eBanking and Mobile Banking.
Which option is right for me?
There is a $5.00 fee per transfer when using our overdraft automatic transfer and there is an annual $25.00 fee to use the line of credit. These fees can be be avoided by viewing your eBanking and mobile banking often to keep track of your balances, transactions, automatic payments and setup balance alerts. Using your online banking or mobile banking to facilitate the transfer yourself allows to avoid the $5.00 transfer fee when using the automatic transfer option.
How does Overdraft Protection work?
Overdraft protection helps you avoid fees from accidents like a bounced check or large debit card transactions. The transaction will go through successfully, even if you don't have enough funds in your bank account to cover the amount. Instead, money will be automatically taken from a savings account or an overdraft line of credit. Overdraft fees are an unnecessary expense and having overdraft coverage in place can help you save time and money.
What is needed to setup the Automatic Transfer Service?
AbbyBank wants to help you avoid overdrawing your account. Simply contact your friendly Personal Banker to complete and sign the documents needed. You will need to provide the account numbers you want the funds to transfer from and to, the amount of the transfer and the frequency.
Does AbbyBank waive overdraft fees or help me avoid them.
Typically, AbbyBank does not waive overdraft fees. However, you can avoid overdraft fees by keeping track of your account balance, so you don't write a check or use your debit card when there aren't enough funds in the bank account. AbbyBank customers often connect a savings account to their checking account in case they inadvertently attempt to withdraw more funds than are available leaving them a negative balance. The funds will automatically transfer from the savings account to their checking to avoid the overdraft fee. Another option is an Overdraft Protection (ODP) loan. This is a preapproved loan where the available funds will transfer to the checking to avoid the overdraft fee. There is an annual fee for the ODP and any funds advanced are assessed interest.
AbbyBank offers a free Personal Finance tool that can help you manage your finances. It allows you to view all your internal AbbyBank accounts along with external bank accounts all in one place. It is a real-time aggregation of your accounts that helps you control and track your spending, create budgets and goals, and manage debt.
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AbbyBank is a full-service financial institution with Wisconsin locations in Abbotsford, Appleton, Gresham, Medford, Shawano, Wausau, Weston and Withee.
1Certain account types have transaction limitations; please speak to a Personal Banker to determine whether transaction limitations apply.
2A per transfer fee applies.
3All ODP accounts are subject to credit approval.
4An annual fee applies.