Overdraft Protection

Overdraft Protection

Overdraft protection from most banks can feel more like overdraft robbery. But First Hope is different. Our overdraft services are truly designed to protect you, without costing an arm and a leg in fees.


We have a loan option and an automatic transfer option. Both prevent costly return check fees and ensure your payments go through unhindered.

Summary
  • Avoid costly return payment fees
  • Prevent embarrassment of denied charges
  • Ensure payments go through
  • No setup fees
  • Protection is automatic
Loan Option

Hope Prime Advantage

The Hope Prime Advantage is a line of credit that is attached to your personal checking account; it will activate only when the balance of the account goes below zero in an emergency situation. The funds needed to cover the overdraft will be automatically transferred into the checking account.

This low-interest loan is available from $250 to $5,000, and is offered with a variable rate to customers with a credit score of 680 or better. Payments are automatically deducted from your account once a month or you can choose to pay in full.

Check out our current rates.

Savings Option

Automatic Transfer

Should your account become overdrawn, the funds can be automatically transferred from another First Hope account in increments of $100. The fee for this service is $7 per transfer. Automatic transfer can be added to your account by visiting any of our offices, or by providing a request in writing.