We’ve Got Your Back With Overdraft Protection

No more declined cards or unexpected costs

Enroll Now

How We Protect You From Overdrafts

We get it—life happens, and sometimes your timing’s just off. Maybe your paycheck’s a day late, or you forgot about that automatic payment. That’s why we offer two levels of Courtesy Overdraft protection—to help you stay covered and keep things moving. Whether you need a little flexibility or extra coverage, our options are designed to work with your real life, not against it.

Basic Protection (It’s Automatic!)

  • We may, at our discretion, cover your checks, bill payments, and automatic debits when your balance runs low – as a courtesy service to you!
  • No sign-up needed—we’ve got you covered automatically with every eligible checking account 
  • Just $30 per item, with transparent pricing and no hidden fees 
  • No fees for items $5 or less, or if your end-of-day balance is only $10 overdrawn —we give you a little breathing room 
  • We cap it at four fees per day for personal accounts, so you’re never hit with surprise charges 

With Plus Protection we’ll also cover…

  • We’ll also cover your ATM withdrawals and one-time debit card purchases when you’re running low 
  • Same fair $30 fee with the same daily limits, so there are never any surprises 
  • Perfect for when you’re traveling and need that extra peace of mind 

Your Overdraft Questions, Answered

Got questions about how our overdraft protection works? We’ve got answers. Here’s what Cape Codders ask us most about staying covered when funds run low.

Think of it as a safety net. When your account balance gets too low to cover a payment, we’ll go ahead and pay it for you instead of letting it bounce. No more awkward declines at the grocery store.

We charge $30 per item we cover, but here’s the thing—no fees for items $5 or less, or if your end-of-day balance is only $10 overdrawn. 4 fees per day for personal accounts, so you’re protected from excessive charges.

Basic coverage (which comes automatically for eligible checking accounts) handles your checks and automatic payments. Plus coverage also protects your one-time debit card purchases and ATM withdrawals. It’s totally up to you which level fits your needs.

Basic protection is automatic with eligible checking accounts. For Courtesy Overdraft Plus, just give us a call at 508–568–3400, visit any branch, or send a written request to: Cape & Coast Bank, Attn: Courtesy Overdraft, 25 Benjamin Franklin Way, Hyannis, MA 02601. We’ll have you covered within two business days. Super easy.

It’s our favorite feature! We can automatically move money from your savings or another account to cover overdrafts. Every sweep is free! We love helping you save money.

Absolutely. You’re always in control. You can opt out of Courtesy Overdraft Plus or all overdraft services by calling our Customer Assistance Center, visiting a branch, or sending a written request.1 No questions asked.

You’ll need to deposit funds immediately to cover an overdraft, so your account stays up to date and in good standing.

1 Even if you have opted out of Courtesy Overdraft services for all transactions, there are circumstances in which an item may still be paid and overdraw your account. Your account could be overdrawn where a payment of an item would cause your end-of-day balance to be overdrawn by $10 or less, if the item presented for payment is $5 or less, or if our systems are operating offline due to causes beyond our reasonable control. If any of these circumstances occurs, you will not be charged an Overdraft Fee, however you will still be obligated to cover the overdraft. Additionally, if an item being presented for payment is a recurring charge that you established using your debit card with a merchant (a recurring charge is a charge that occurs on a regular schedule that is initiated by a merchant, such as a gym membership or a subscription), we are unable to return a recurring charge for non-sufficient funds. This means that we must pay the recurring charge even if it overdraws your account and you will be charged an Overdraft Fee. 

Please refer to our Non-Sufficient Funds and Overdraft Services Terms & Conditions for more information on our Courtesy Overdraft Program.

shield with check icon

We've Got You Covered

Life happens, and that’s okay. Protect your account from overdraft surprises by enrolling in Courtesy Overdraft Plus protection today. We’re here to give you that extra peace of mind you deserve.

Let's Talk

Tools to Help You Stay on Track

We’ve got your back with tools that help you keep tabs on your money. These handy features are free for all our customers, and they’re designed to help you avoid overdrafts in the first place.
devices icon
Your Banking, Anywhere

Check your balance and recent transactions 24/7 from your phone.
notification bell icon
Account Alerts

We’ll text or email you when your balance gets low. Super helpful!
Auto-Transfer Protection

We can move money from savings to checking automatically. Stop by to set it up.
ATM Icon
55,000+ Free ATMs

Check your balance for free at ATMs all over Cape Cod and beyond.
phone icon
24/7 TeleBank Service

Check your balance by phone, 24/7. No need to wait for business hours.
Track Your Spending

See where your money goes and plan for upcoming bills. Knowledge is power!

Getting Protected Is Really Simple

Setting up your overdraft protection with us is easy as pie. Just follow these three steps, and you’ll have the peace of mind that comes with knowing we’ve got your back.

A bank employee helping a client
Pick Your Level of Protection

You’ve already got Basic coverage automatically. Want Plus coverage for debit cards and ATMs too? Just let us know—we’re here to help you decide.
A view from the outside of a Cape and Coast building
Set Up Auto-Transfer (Our Favorite!)

This is the best way to avoid fees altogether. We’ll automatically move money between your accounts when you need it. Come see us to set it up.
A woman looking at her phone and smiling
Turn On Balance Alerts

Get a friendly heads-up when your balance is getting low. It’s like having a financial buddy looking out for you.

1Please refer to our Non-Sufficient Funds and Overdraft Services Terms & Conditions for more information on our Courtesy Overdraft Program and Courtesy Overdraft Sweep service.