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Overdraft Protection

Link a coverage account or credit line to automatically transfer funds to your checking.

We’re here with a choice of Overdraft Protection options to help you avoid overdrawing accounts

Overdrafts happen when you don’t have enough money in your account to pay for a transaction you’ve already made. Amegy Bank offers transfer service and credit line solutions to help you avoid going over your account balance or bouncing a check, either of which can result in transactions being declined and/or returned. 

OVERDRAFT PROTECTION

Prevent fees and declined transactions

Going over your account balance or bouncing a check can result in declined and/or returned transactions. In addition, your account can be charged overdraft fees for check, in-person withdrawal, ATM withdrawal, and other electronic transactions. Overdraft Protection can help you avoid the costs and hassles.
Be prepared with an overdraft solution:

Credit Reserve Line

  • A credit reserve line is attached to your personal Amegy Bank checking account. Whenever you attempt to spend more money than is in your account, this line of credit helps protect you from accidental overdrafts.
  • Please speak with a banker or visit your local branch for details.


Overdraft Funds Transfer

  • When you’re running low on funds, a overdraft funds transfer moves money from your other Amegy Bank savings, money market, or secondary checking account to your primary checking account.
  • Please speak with a banker or visit your local branch for details.

Debit Card Overdraft Service

  • With Debit Card Overdraft Service for your personal account, Amegy Bank covers your ATM and one-time debit card transactions at our discretion, even when your funds are unavailable. This service is separate from other Amegy Bank overdraft protection options and you must opt-in. If you opt-in, these transactions may be paid at Amegy Bank discretion, which means Amegy Bank does not guarantee to always authorize and pay these transactions and fees will apply. This service is available to personal accounts only.
  • Please speak with a banker or visit your local branch for details.

Overdraft Fees

Personal Accounts

  • Insufficient Funds Fee for Returned Items: $0.00
    • For any transaction the bank returns or declines that will overdraw the account.
  • Overdraft Fee for Paid Items: $29.00
    • Per check, ACH, or wire transaction that overdraws your account.
    • Per ATM or Everyday Debit Card Transaction that overdraws your account - if you have opted-in to our Debit Card Overdraft Service.
    • Per multiple-use debit card transaction that overdraws your account.
    • Per non-debit card transaction that overdraws your account.
    • We will charge your account no more than five per-item Overdraft fees on any business day. We will not charge any per-item Overdraft fees if your account is overdrawn $30 or less after all credit and debit transactions are posted to your account following the close of the business day.

Business Accounts

  • Insufficient Funds Fee for Returned Items: $0.00
    • For any transaction the bank returns or declines that will overdraw the account (not applicable for Analyzed accounts).
  • Overdraft Fee for Paid Items: $29.00
    • Per check, ACH, or wire transaction that overdraws your account.
    • Per multiple-use debit card transaction that overdraws your account.
    • Per non-debit card transaction that overdraws your account.
    • We will charge your account no more than ten per-item Overdraft fees on any business day. We will not charge any per-item Overdraft fees if your account is overdrawn $30 or less after all credit and debit transactions are posted to your account following the close of the business day (not applicable for Analyzed accounts).

Get more from Amegy Bank

A More Secure Way to Save

Finance the dream – whether it’s a fund for college, saving for that perfect vacation or providing a reliable cushion for the future. We’ll help you find the FDIC-insured savings account that’s right for you and your goals. 

Service and Convenience

Our bankers are focused on helping you reach your goals. Visit a local branch. Reach our Customer Contact Center or Online Banking representatives during business hours. Or call for 24/7 automated account information. 

Didn’t find what you were looking for? Consider these loan options and flexible lines of credit:

Have questions or need help deciding?

Our branch teams are here to help you in person, by phone or online. 

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You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.

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You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.

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You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.

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You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.

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You're about to leave Amegy Bank's website and be directed to a website that is not affiliated with Zions Bancorporation, N.A. dba Amegy Bank and may have a different privacy policy and level of security. Zions Bancorporation, N.A. is not responsible for, and does not endorse or guarantee, the privacy policy, security, accuracy, or performance of the third party’s website, or the information, products, or services that are expressed or offered on that website.