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Overdraft Protection

Savings Bank of Mendocino County checking account customers may choose to apply for one of the following Overdraft Protection options.

To apply, choose the one that meets your needs then complete and print the form and bring it in to one of the Savings Bank locations listed below.


Automatic Transfer Overdraft Protection

Print Automatic Transfer Application

To help avoid overdraft fees, designate an account to automatically transfer available funds when you don’t have enough money in your checking account by the end of the business day. When this happens, money is automatically transferred from your designated account to cover those items, as long as there are sufficient funds in your designated account. There is no fee to enroll; however, each day an automatic transfer is made for overdraft protection, you will pay one $10 Overdraft Protection Transfer Fee which will be debited from your designated SBMC funding account.

Ready Reserve Overdraft Protection

Print Ready Reserve Application

At Savings Bank we understand that simple mistakes happen. That's why we offer a Ready Reserve Overdraft Protection Plan. Based on credit approval, a Ready Reserve Plan will provide you with the funds you need when there is not enough money in your checking account to cover checks or other items presented for payment. When this happens, money is automatically transferred from your Ready Reserve Plan to cover those items, as long as there is sufficient credit available in your Ready Reserve Plan.  Please contact a Consumer Loan Officer for details, (707) 462-6613.

Bring completed applications to one of the following Savings Bank locations:

  • Ukiah Main - 200 North School Street
  • Willits - 145 South Main Street
  • Fort Bragg - 490 South Franklin Street
  • Mendocino - 10500 Lansing Street
  • Lakeport - 290 South Main Street 

Click here for branch hours 

For questions or assistance please contact us – (707) 462-6613