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How does Overdraft Protection from Savings differ from an Overdraft Line of Credit?

Both programs transfer the exact amount necessary to cover your check or withdrawal and maintain your checking account balance at zero, but the Overdraft Line of Credit is a Loan, which you pay back with interest.  The Overdraft from Savings transfers your own funds from your savings for a fee instead of interest. Neither
has a cost if it is never used. Since the Overdraft Line of Credit is a loan, you must apply and be approved for it; Overdraft Protection from Savings is available on request.

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