If you are currently an online banking user, an easy way to avoid overdraft fees is to use notifications and low balance alerts. Signing up is easy. For Towne-Personal/Biz users simply login and select 'Additional Services' then select 'Alerts and Notifications'. If you use Towne-Biz Plus, login and navigate to the Account Activities & Reporting tab, and 'Manage Balance Alerts'.
Or you may want to apply for a Coverline overdraft protection plan. This is a line of credit that, in the event of an overdraft, will transfer funds from your line of credit to the affected account. Subject to credit approval; applicable interest rates apply.
No. You are not automatically enrolled in overdraft protection. You must request to have your accounts linked or you can apply for a Coverline.