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Overdraft Protection

Overdrafts Happen. We Can Help.

Amerant Overdraft Protection protects you from returned checks and declined transactions. Overdraft Protection is available through savings, money market and lines of credit and will pull from any of these accounts to cover an overdraft. Say goodbye to declined transactions, returned checks, and overdraft fees.
There is no cost to set up Amerant’s Overdraft Protection.
To set up overdraft protection, please visit a nearby Amerant Branch Location.
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Benefits of Overdraft Protection

Easy to set up

You can sign up by visiting your nearest Amerant Branch Location.

Tools to help you avoid overdrafts

We offer tools to set up account alerts and receive email or push notifications when your balance is low.

Monitor your account

Monitor your account and transfer funds into your checking account on your own before an overdraft occurs.
Enroll in Online Banking to get started.

Tips to Prevent Overdrafts

A customer uses a mobile phone to Start with Zelle Digital Services from Amerant.

  • Setup low balance alert notifications
  • Link a secondary checking account, savings, or money market account to your primary checking account
  • Use direct deposit for your paycheck– to have immediate access to funds
  • Transfer or deposit money quickly when an overdraft occurs to avoid further fees
  • Get a line of credit to cover overdrafts when they happen

    • FAQs about Overdraft Protection

    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 Schedule of Fees.

    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 checks transactions.

    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.

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    Bank Representative

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    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.

    USA PATRIOT Act

    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.

    Important Notice Regarding Wire Transfers

    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.

    Customers who request wire transfers through an Account Officer, should download the new wire transfer “Wire Transfer Form” 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 Schedule of Fees

    Deposit Agreement

    IMPORTANT FUNDS AVAILABILITY INFORMATION

    Please review Amerant’s Deposit Agreement brochure.

    Know Your Customer

    Managing a successful Know Your Customer (KYC) Program is a requirement of the U.S. banking system. Learn More.