Overdraft Privilege

It’s important to keep your credit and reputation safe.

When you overdraft on your checking account, we pay the transaction(s) on your behalf under our Overdraft Privilege program. Transactions could include ATM withdrawals, debit card purchases, checks, automated payments or other electronic transactions. You must opt in to the program for Vantage West to pay for overdraft transactions. You can also opt out of the Overdraft Privilege program at any time. To make changes to your Overdraft Privilege election, please login to Online Banking and select Overdraft Privilege from the menu. You can also make changes by visiting a branch location or calling us at (800) 888-7882.

If you would like to link your Visa® credit card or savings account to your checking account to further protect yourself, consider our Overdraft Protection program.

Overdraft Privilege carries a charge in order to cover your transactions.  We charge $5.00 for each time resulting in a negative balance of $10, or $30.00 for a negative balance greater than $10.

Additional Details

Overdraft Privilege FAQ


Must be 18 years of age.