Overdraft Protection

Maybe it's a math mistake. Or perhaps you momentarily forgot that about something you bought. In any case, you shouldn't pay a high price when you accidentally overdraw your checking account.

A low-interest loan that guards against bounced checks.

In rare instances, your checking balance can dip below zero without you knowing it. That can cause checks to bounce and hefty fees to pile up. No one wants that to happen. Kwik Cash Overdraft Protection is a line of credit linked to CoVantage checking accounts. If you make a transaction that's bigger than your balance, we automatically lend you the needed money. So you'll never have another check returned due to insufficient funds.

  • Apply online just once, and you'll have access to Kwik Cash whenever you need it.
  • There is no charge for Kwik Cash. You’re only charged interest when you have a balance outstanding.
  • Your payment is $5 per month, or 3% of your loan balance, whichever is greater.
  • You can also take a loan advance from your Kwik Cash. This can be done as a loan transfer into your checking account using online banking or mobile banking services or by writing a check.

Next Steps