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Overdraft Services

Because sometimes, the unexpected happens and you need to use tomorrow’s money, today.

Accidents happen. Stay protected during your everyday spending.

Account overdrafts are often unexpected and occur while you’re going about your daily business. Based on your Wellby account type, you’ll have a range of overdraft protection services to rely on when the unexpected happens. 

Overdraft Ease™

Overdraft Ease has you covered up to $20, based on account history and activity*, to help prevent overdraft fees. The balance will need to be repaid in full to ensure your account is returned to a positive balance.


Available Accounts

  • Wellby Spending Plus
  • Wellby Secure Spending

Overdraft Protection

Overdraft Protection allows you to link a Wellby Savings Account or a Line of Credit as a backup in case accidental overdrafts occur. When an overdraft occurs on your checking account, the exact amount needed to prevent the overdraft is transferred from your linked account with no additional transfer fee, ensuring enough funds are available. Overdraft Protection covers all transactions, including ACH, checks, ATM, and debit card purchases.

Available Accounts

  • Wellby Spending
  • Wellby Spending Plus
  • Wellby Secure Spending
  • Wellby Achievement Card

Overdraft Steward

Our Overdraft Steward program covers potential overdraft transactions at Wellby’s discretion* (based on your account history, deposits you make, and the transaction amounts). Based on these criteria, Wellby may pay any overdraft transactions for a small fee per transaction. If Wellby does not pay your transaction, it will be declined or returned unpaid. Unpaid items may also be charged a fee for insufficient funds.

Available Accounts

  • Wellby Spending Plus
  • Wellby Secure Spending

Compare Checking Accounts

ProductWellby SpendingWellby Spending PlusWellby Secure SpendingWellby Achievement CardWellby Early Start Checking
Initial Deposit$25$25$25$10$10
Monthly Fee$0$10/Free*$6/Free$0$0
Debit Card
Online Bill Pay
Overdraft Service
ATM Services
Identity Theft Recovery
Expanded Identity Theft Protection & Mobile Phone Coverage*

Overdraft Protection FAQs

Learn more about our overdraft protection services and how you can opt in today.

Learn More

What is overdraft protection?
What transactions are covered by Wellby’s overdraft protection services?
What Wellby spending accounts offer the most protection?