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We know accidents happen — and overdraft fees can get pretty annoying. But you don’t have to put up with it. See which protection plan is right for you.

Cash Reserve is an overdraft protection for CFSB checking accounts via pre-approved loan advances. Advances cannot exceed pre-approved limits. Required monthly payment of principle and interest are deducted from the checking account. The minimum required monthly payment is 5% of the total outstanding cash reserve advances or $20, whichever is greater. The annual fee is $35.

Sweep agreements offer peace of mind with checking overdraft protection. Transfers may be made from a Community Financial Services Bank checking or savings account. A fee of $5.00 for checking or savings will be charged for each transfer, and the agreement must be on file prior to the overdraft.*

*For fee schedule, call (270) 527-4600 or (888) 226-5669.