Checking Enhancements

Ives Bank Cash Reserve

When you lose track of your balance, this line of credit kicks in to cover the miscalculation. You can avoid costly fees and inconvenience when a purchase is declined or your check is returned for insufficient funds.

• Automatic transfers from Cash Reserve are quick and convenient*
• Choose from flexible options that allow you to pay the minimum or pay off the entire line

^{*Subject to credit approval and the Terms & Conditions of the Cash Reserve agreement. The Annual Percentage Rate is 12.90% and is effective as of January 9, 2019. Rates are subject to change. There is a minimum line of $1,000 and a maximum line of $5,000. No application fee. Annual fee of $50 is waived for the first year.}

Overdraft Privilege

This convenient service automatically covers your shortfall without you have to apply for a line of credit. We provide Overdraft Privilege at our discretion for customers over the age of 18 whose accounts are in good standing.

• Available to you at no cost, unless you use the service*
• Protection ranges from $300 to $500
• Bring your account back to a positive end-of-day balance within 30 days to remain eligible for the service

^{*You will be assessed our insufficient funds charge of $35 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction or a recurring debit card payment.}

^{A $35 overdraft privilege fee applies to ATM transfers or withdrawals and everyday debit card purchases, if you have “Opted In” to including those in the program.}

^{The amount of any overdraft, including the $35 insufficient funds fee for each transaction including ATM and everyday debit card transaction, if applicable, shall be due and payable upon demand, but no later than 30 calendar days after the creation of the overdraft.}

Statement Draw

Open this special savings account to provide a financial cushion for your Ives Bank checking account. You'll earn interest at a competitive rate while you're covered in case you overdraw.

• Links to your Ives Bank checking account and automatically transfers money to your account, as needed
• Provides peace of mind and allows you to avoid fees related to nonsufficient funds

^{*A linked checking account is required. A $10 overdraft protection transfer fee is charged on the savings account each day that the draw is utilized to cover an overdraft. Interest is compounded continuously and paid monthly.}

Allpoint ATM Network

Wherever you travel in North America, you're close to a surcharge-free ATM so you can access your Ives Bank checking account. There are 55,000 Allpoint ATMs available through our partnership with Allpoint, America's largest surcharge-free ATM network.

• Access your money surcharge-free from coast to coast and in Canada
• Enjoy unmatched convenience and savings
• 1 out of every 12 ATMs in America is part of the Allpoint network
• Find Allpoint ATMs at 7-Eleven, CVS, Costco, Kroger, Target and Walgreens locations