Overdraft Line of Credit

Gain peace of mind for life's unforeseen moments.

Protect yourself from overdrawing your checking account by linking it to a line of credit.

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Prepare for the unexpected.

Get financial security for the unexpected moments with an Overdraft Line of Credit.

  • Automatic Protection

    Automatically kicks in to cover transactions exceeding your checking account balance, helping you avoid bounced checks and declined transactions.52

  • Pay Interest Only When Used

    Enjoy the security of available credit without any cost until you need it. You only pay interest if you have a balance owed on your account.

  • Tailored Credit Limits

    We work with you to establish a credit line that fits your financial situation, ensuring you have just the right amount of backup.

  • Stay Informed

    Set up account alerts to keep track of balances and transactions, helping you manage your finances more effectively.7

Frequently asked questions about our Overdraft Line of Credit.

A: You can apply online, through any mobile device, or by calling Coastal at 800-868-4262. For more details and to start your application, visit our Overdraft Line of Credit page.
An overdraft line of credit works by linking your checking account to a line of credit that will cover the amount of an overdraft in your checking account up to the approved credit limit.
No. There are no fees for an overdraft line of credit.
To determine your credit limit for an overdraft line of credit, you must submit an application for review and consideration. All lines of credit are subject to credit approval.
Yes. You can use an overdraft line of credit for any personal needs.
Your overdraft line of credit account will be reported to the credit agencies as a revolving credit account. For more information on how your credit score may be impacted, contact Equifax, Experian, or TransUnion.
To increase the limit on your overdraft line of credit, you will need to submit an application and meet credit qualifications for an increase in the limit.
A minimum monthly payment is required if your balance is not paid in full by the following billing cycle.