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Overdraft Services

At Kitsap Bank we are committed to helping you manage your finances effectively. We understand that life gets hectic. It’s easy to forget to make a deposit or make a mistake while balancing your account. That’s why we offer a number of tools to help you keep your balance.

Overdraft Opt-In Form (PDF)

About Overdrafts
Overdraft Processing*

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.** Kitsap Bank pays overdrafts at our discretion; we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. The types of transactions we may authorize and pay for your account are as follows:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments (ACH)
  • Recurring check card transactions you have previously authorized

However, we do not authorize and pay overdrafts for Point of Sale (POS) transactions, everyday check card transactions, and ATM withdrawals unless you ask us to. If you would like to authorize Kitsap Bank to pay overdrafts on your check card transactions and ATM transactions, you may opt in, call our Customer Service Center at 800-283-5537, or visit your local Kitsap Bank branch.

*Overdraft payment will be extended based upon your specific account activity and history. Overdraft payment is a discretionary service, and NOT an actual or implied contract or agreement with Kitsap Bank, it may be withdrawn at any time without notice, at the sole discretion of the bank.
**Overdrafts are charged a fee of $34.00 per item. We do not charge for overdrafts totaling less than $5.00 on a single day. You can be charged for no more than five overdraft fees in a day for overdrafts paid by Kitsap Bank. A fee is assessed for every NSF returned item presented.
Alternative Overdraft Protection

Kitsap Bank offers overdraft protection which may be less expensive than our standard overdraft practices.

  • Home Equity Line of Credit: Have a Kitsap Bank Home Equity Line of Credit? If you do, you may be able to link it to your checking account. To learn more about this option and to see if you qualify, visit your local Kitsap Bank branch.
  • Balance Watch Automatic Transfer***: Authorize Kitsap Bank to watch the balance on your account for you simply by linking your checking account to another qualified account. If you mistakenly overdraw your account, funds will automatically be transferred into your checking account to cover the overdrawn amount. Ask your banker for details about Balance Watch and to sign up.
  • Through Kitsap Bank's free online banking service, you can create balance alerts, warning you when your balance drops below a level you specify.
  • Read tips on balancing your account.

The Federal Trade Commission also offers additional tips for managing your finances

***$10.00 fee per daily transfer. Subject to account transfer limitations.
Item Payment Order

The order in which items are paid is important if there is not enough money in your account to pay all of the items that are presented. The payment order can affect the number of items overdrawn or returned unpaid and the amount of the fees you may have to pay.

Payment order of items –

  1. Our general policy is to process phone, online, and other banking transfers first, in real time as they occur on the day they are processed.

  2. We process in-person withdrawals and cashed checks 2nd, in check number order for the day on which they are processed.

  3. We process ATM withdrawals 3rd, by dollar amount – smallest to largest on the day they are processed.

  4. We process checks you have written that were deposited at a Kitsap Bank branch 4th, in check number order for the day on which they are processed.

  5. We process POS debit card transactions 5th, by dollar amount – smallest to largest on the day they are processed.

  6. We process VISA POS debit card transactions 6th, by dollar amount – smallest to largest on the day they are processed.

  7. We process other checks you have written and similar items 7th, in check number order for the day on which they are processed.

  8. We process ACH transactions and bill payment items 8th, by dollar amount – smallest to largest on the day they are processed. We process bill pay transactions differently depending on whether the receiver accepts ACH payments. If the receiver accepts ACH payments, bill pay transactions are processed the same as other ACH transactions. If not, a check is issued.

  9. We process electronic checks and similar items 9th, in check number order for the day on which they are processed.

On ATM and debit card purchases, a temporary hold may be placed on your account at the time of the transaction for a specified sum of money which can affect the amount available for other payments.

If you have questions about Kitsap Bank's Item Payment Order Policy, please contact your local Kitsap Banker, or our Customer Service Center at 800-283-5537.

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This service is for Washington State residents only.

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