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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. There is no monthly service charge to be enrolled in the program, and only a nominal fee is assessed each time a transfer occurs. 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.

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.

Download Application NowView Rates

OverDraft Protection

Effective Date: January 31, 2023

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. Auto Pay from a TSB account is required and associated checking account.

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

Mobile Check Deposit Icon

Mobile Check Deposit

Save time and a visit to the branch by using Mobile Deposit with our TSB Mobile Banking App. It makes depositing checks a snap!

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Bank anywhere, anytime you have Internet access. Pay bills online, check your balance, transfer between accounts from your phone and more.

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We offer a variety of terms all with great rates. See which one is best for your needs!

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Check Out TSB Checking

Find Your Best Checking Account at Torrington Savings Bank!

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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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Your Account for Today AND Tomorrow

A Journey Checking Account fits every stage of your financial goals from ages 13+

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An Equity Line for Less than Prime

Use the equity in your home to help pay expenses just like with a credit card – but with a MUCH lower interest rate.

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