Yes. Should your checking account be protected by both programs, Reliant recommends that the Overdraft Line of Credit be your first option, as it is generally the least expensive option for you, followed by the Overdraft Protection from Savings program. You have the option, however, to choose otherwise, if you wish. Courtesy Pay privileges (which temporarily allow eligible accounts to become negative) may be accessed only after available overdraft lines of credit and overdraft from savings options have been fully utilized.