透支保护  

有时你的账户余额就是不合理. 不要因此而沮丧.

你有很多开销. Your pay doesn't always arrive when you think it should. We understand that those and other factors could cause a negative balance in your checking account.

There's no reason for you to pay high returned-check charges to merchants in Michigan and elsewhere. Instead, you can arrange for Arbor Financial to cover your overdrafts in one of several ways.

• Your checking account automatically covers checks and other transactions made using your 帐号
• 还包括自动电子账单支付
• 我们每透支一次，你将被收取35美元的费用
• ATM transactions and regular debit card transactions are not automatically covered
• You can authorize coverage for ATM transactions and everyday debit card transactions 通过填写此表格访问我们的任何分支机构，或致电 269.375.6702

透支保障选项

Adding one of these services can reduce overdraft charges.

• 连结至储蓄帐户: Money is transferred from your savings account to match the amount of your checking overdraft. 每次透支收费5美元. 交易没有限制.
• 灵活信贷额度转让: Money is transferred from your line of credit to match your overdraft amount. There is a $5 charge for each transaction, plus interest charges on your credit line.
• 礼貌的报道: 符合条件的会员可以获得保险. This limited service includes checks and automated electronic bill payments, 但不包括自动取款机和日常借记卡交易. 每次使用这项服务都要收费.
• 附加保险: 符合条件的会员可以享受保险. 这个全面的版本涵盖了检查, 自动账单支付, 日常借记卡使用和自动取款机交易. 每次使用这项服务都要收费.

避免透支的技巧  

1. Keep track of your account balance: Make sure you know your account balance at all times and keep track of your transactions. 你可以在网上查询你的余额, 通过我们的移动应用, or by calling our membership services team at (269) 375-6702.
2. 设置帐户提醒: Set up alerts for low balances, deposits, and transactions. This will help you stay informed about your account activity and avoid overdrafts. 
3. 制定预算: Creating a budget can help you manage your money more effectively and avoid overspending. 为帮助创建预算访问我们的合作伙伴 绿色通道. 
4. 使用BillPay自动付款: Set up automatic payments for bills and recurring expenses to avoid forgetting to make a payment.