These options are designed to help you manage your money and protect you against the cost and inconvenience of overdrafts. We recommend that you carefully review the Overdraft Service Options and the Line of Credit Options below and view our What You Need To Know About Overdrafts and Overdraft Fees (PDF 65kB) so that you can choose the solution(s) that best fits your financial needs.

Savings Sweep Overdraft Protection
The ultimate money management tool.
To cover non-sufficient funds (NSFs), funds are automatically "swept" from your savings into your checking or money market account, giving you both the higher earnings of a savings account plus overdraft protection. The automatic transfer includes the exact amount of your shortage, plus a $10.00 fee per occurrence.1 This excellent money management tool is available with any of our checking or money market plans in conjunction with a Personal Savings or Kids Savings account. Also, be sure to sign up for e-mail Balance Alerts, free with Online Banking.

Ready to learn more? Set up a Savings Sweep today by:
  • Logging into Online Banking and requesting via a Secure Form
  • Calling our Customer Service Center at 1.800.894.6900 (Option 4)
  • Visiting one of our branch locations

1. $10.00 fee is charged to your designated savings account per occurrence. Transfers from your BankFinancial savings account will count against the number of withdrawals allowed per monthly statement period. A $10 service fee will be charged for the excess transfer requests in accordance with the Customer Agreement And Disclosure Statement and Fee Schedule.
SurePay Line of Credit
For those seeking more protection than LifeLine of Credit using a line of credit, SurePay Line of Credit is another way we manage shortfalls at a reasonable fee. SurePay is an unsecured line of credit tied to your BankFinancial checking account. Loan funds are used to pay checks presented against the checking account when the check amounts are greater than the available balance in the account.

Lifeline of Credit
LifeLine of Credit is an alternative to SurePay. As a valuable feature available to existing customers with a BankFinancial Checking Account, LifeLine of Credit lets you breathe easier between paychecks and repayment options are easy and convenient.

  • We will obtain a three month review of your previous banking history
  • No Credit Score is obtained
  • The review is based solely upon your account history at BankFinancial