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Overdraft Protection

Miscalculations can happen to the best of us. Sometimes we forget about an automated payment that we had set or think we have money in our checking account that just isn’t available yet.

  • Savings Overdraft Protection
  • Life Line Overdraft Line of Credit

Avoid Overdraft Fees

You can help yourself stay on track by setting up customizable alerts through online or mobile banking to prompt you to take action if your account balance is getting low, to remind you of loan payments and to alert you about large withdrawals.

If you want extra help to make sure a little mistake doesn’t become a more costly error, Torrington Savings Bank offers you protection against overdrawn checking accounts in two ways: Savings Overdraft Protection, and the Life Line Overdraft Line of Credit.

Savings Overdraft Protection

Savings Overdraft Protection provides coverage to your checking account by making the balance of your linked savings account available to cover any overdrafts. The transfer goes through automatically, so as long as you have sufficient savings in the linked account, you’ll be spared the hassle of a bounced check. Visit any of our 8 locations or contact the Customer Care Center to link a TSB savings account today.

Find a LocationCustomer Care Center
Savings Overdraft Protection Details

There is no monthly service charge to be enrolled in Savings Overdraft Protection, and only a nominal fee each time a transfer occurs. Please refer to Common Fee Schedule for more information.

Common Fee Schedule Consumer Terms & Conditions
Line of Credit

Life Line Overdraft Line of Credit

By linking our special Life Line Overdraft Line of Credit to your checking account, you will have the peace of mind in knowing that funds will be transferred automatically, up to your approved line amount, to cover a negative balance in the event of an overdraft. Life Line protects against overdrafts caused by checks, ATM withdrawals or debit card transactions, all while helping you avoid possible overdraft fees. The Life Line Overdraft Line of Credit is available for TSB checking accounts only, and requires automatic payments from the linked checking account. Visit any of our 8 locations to apply and start building your credit.

Find a Location

Overdraft Protection

Effective Date: May 21, 2025

Rates APR PMT Per $1,000.00
Overdraft Line of Credit 18.000% 18.000% Varies Based on Usage How to Open

DETAILS: Overdraft Line of Credit (ODLOC) APR Based on a $1,000.00 credit line. Maximum ODLOC is $2,000.00. An associated TSB checking account is required.

Savings Overdraft Protection Details:

There is no monthly service charge to be enrolled in Savings Overdraft Protection, and only a nominal fee each time a transfer occurs. Please refer to Common Fee Schedule for more information.

Common Fee Schedule Consumer Terms & Conditions

Related Services

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Check Out TSB Checking

Find Your Best Checking Account at Torrington Savings Bank!

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Greenlight

Enjoy the debit card and money app for kids and teens-and so much more!

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Contact a Lender

Connect with our local lenders who can help to answer questions you might have regarding home financing options, and your unique homebuying situation.

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Mortgage Calculators

Trying to decide how much you can afford? Use our online calculators to run some different numbers.

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Featured Products

Savings

CD Specials

Boost your savings with our CD Rate Specials. Relax knowing you have guaranteed returns for your tomorrow.

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TSB Scholarship

Prepare for Your Future

Boost your college fund with a Torrington Savings Bank Scholarship.

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Personal Loan

Gain Flexibility with a Collateral Loan

Use your savings to gain flexibility and to borrow at a great rate.

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    Loans

    • Compare Home Loans
      • First Time Homebuyers
      • Buyer’s Boost
      • Conventional Mortgage
      • Refinance
      • Jumbo Mortgage
      • Construction Loan
    • Contact a Residential Lender
    • Mortgage Calculators
    • Home Equity Comparison
      • Home Equity Loan
      • Home Equity Line of Credit
    • Personal Loans
      • Collateral Secured Loans
      • Life Loan
      • Overdraft Line of Credit
  • Checking

    • Compare Checking Accounts
      • Journey Checking
      • Advantage Checking
      • BankRight Checking
    • Greenlight Debit Card For Kids
    • Debit Cards
      • Card Controls
      • Lost or Stolen Cards
      • Digital Wallet
      • Overdraft Protection
  • Savings

    • Compare Savings Accounts
      • Journey Savings
      • Advantage Money Market
      • First Time Savers
      • Build Your Own Club
    • Additional Savings Options
      • Certificates of Deposit (CD)
      • Health Savings Account (HSA)
      • IRA
  • Credit Cards

    Tools & Resources

    • Ways to Bank
      • Online Banking
      • Mobile Banking
      • ATM
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    • Plan Your Financial Future
      • Monitor Credit Score
      • Personal Finance Manager
      • Greenlight for Kids and Teens
      • Education Center
    • Manage Your Money
      • Card Controls
      • Bill Pay
      • Paperless Documents
      • Digital Wallet
      • Round Up Savings Program
    • Help & Support
      • Lost or Stolen Card
      • FAQs
      • Support
      • Make An Appointment
      • Switch Kit
    • Rewards
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*Please note to open an account online you must be 18 years or older and a Connecticut resident.

ROUTING #211174165/NMLS #404919

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