Overdraft Protection

Peace of Mind

At City National your overdraft protection is linked to your City National checking account. For extra peace of mind regarding your cash flow, our Personal Overdraft Sweep account option acts like an insurance policy against overdrafts by automatically advancing funds to cover checking account overdrafts up to your available credit limit.

Let us help you avoid the fees, hassle and embarrassment of accidental overdrafts with an overdraft line of credit combined with an overdraft sweep account.

How Our Overdraft Options Work
Features Personal Overdraft Sweep Personal Overdraft Line
Advance increments: The exact amount of the overdraft sweeps from the line to the checking account and allows to the penny repayment as soon as funds are available in your checking account. $100 increments. The amount of the overdraft rounded to the next $100 advances from the line to the checking account.
Repayment: Monthly payments equal to 10% of the balance or automatically when a deposit is made into the linked checking account, the exact amount plus accrued interest is automatically transferred to pay down the line. Monthly payments equal to 5% of the balance.
Automatic payment feature: Automatic when deposit made to checking account Must have automatic payment for the minimum monthly payment

Getting Started

To learn more, call us at (800) 773-7100 (and press 0), contact us, or visit one of our local City National locations.