Set up account alerts and receive email or push notifications when your balance is low.
Monitor your account and transfer funds into your checking account on your own before an overdraft occurs.
Sign-up for Amerant’s Overdraft Protection at any one of our branch locations.
No fees for overdrafts up to $100*
Amerant CoverMe7,8 allows for an overdraft of up to $100 without charging a fee. We will then apply your next deposit toward your negative balance. Available with checks, MasterCard Debit Card, and ACH (US residents only) on Value Checking, Interest Checking, Savings, Money Market, Relationship Money Market, and Relationship Interest Checking Accounts.
If there are insufficient funds available in your account, incoming transactions will be declined and charged a fee up to 5 times in one day. For information on overdraft fees and overdraft related interest charges refer to our Miscellaneous Service Fees for Personal, Commercial and Corporate Accounts.
Overdraft protection is a service that helps you avoid overdrawing your account if you have insufficient funds. So, if you have an incoming check payment or ACH, it will be paid even if you don’t have enough money in your account. It does this by pulling in money or credit from the account(s) that you linked to your checking account when you set up overdraft protection.
Amerant Overdraft Protection covers incoming ACH and check transactions.
Amerant CoverMe allows overdrafts of up to $100 without charging a fee on Value Checking, Interest Checking, Savings, Money Market, Relationship Money Market, and Relationship Interest Checking Accounts. Your next deposit will be applied toward your negative balance to replenish your account.
Overdrafts of up to $100 will not incur a fee. Overdrafts of more than $100 will incur a fee up to 5 times in one day. For information on overdraft fees and overdraft related interest charges refer to our Miscellaneous Service Fees for Personal, Commercial and Corporate Accounts.
All personal, domestic Amerant customers are eligible for Amerant CoverMe and are automatically enrolled.
Amerant CoverMe covers checks, MasterCard Debit Card, and ACH transactions (US residents only). Amerant CoverMe does not cover Zelle transfers or services like Venmo or Square Cash.
Overdraft protection is a service that allows you to link a savings account or other Amerant account to transfer funds when the account is over-drafted. Enrollment at a local branch is required for overdraft protection. Amerant CoverMe allows overdrafts up to $100 without incurring a fee. It does not require you to enroll or link an account. There is no fee to participate.
**Applies only to personal domestic accounts.
Overdraft fees, insufficient funds will be declined and charged a $35 fee (international or commercial accounts) or $10 fee (applies only to personal domestic accounts) up to 5 times in one day.
This is not a line of credit, we do not guarantee coverage, overdrafts are paid at our discretion, if we do not pay an overdraft transaction, it will be declined.
Please refer to the Deposit Agreement and Disclosures for more details.
*With the exception of Time Deposits, a fee may be imposed for paid or returned overdrafts created by checks, in person withdrawals, internal debits and transfers or other electronic means. There will be no fees on daily overdraft balances of $100 or less.
7 For information on overdraft fees and overdraft related interest charges refer to our Miscellaneous Service Fees for Personal, Commercial and
Corporate Accounts.
8 Does not include ATM withdrawals.
To help the government fight the funding of terrorism and money laundering activities, the Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.
What does this mean for you? When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may ask to see your driver’s license or other identifying documents.
IF WE DO NOT HAVE YOUR FUNDS TRANSFER AGREEMENT IN OUR FILES, WE WILL NOT BE ABLE TO EXECUTE TRANSFERS.
We value our relationship and it is important for us to safeguard your privacy and ensure that your funds are protected against fraudulent activity at all times. For this reason, we are providing you a link to our Electronic Funds Transfers Disclosure, Funds Transfer Agreement and contract.
Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” and Electronic Signature Agreement (E-sign Agreement) to authorize this type of transaction. The E-sign Agreement will only need to be signed the first time a wire transfer is initiated.
For fees related to this service, review our Miscellaneous Service Fees Schedule.
IMPORTANT FUNDS AVAILABILITY INFORMATION
Please review Amerant’s Understanding Your Deposit brochure.
Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.
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