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Overdraft Protection


We have been a trusted, local financial partner for decades. MainStreet Bank is prepared to assist you in making the best selection for your personal banking.

While borrowing money for emergency expenses is sometimes necessary, paying too much doesn’t have to be. It is nice to know you have an extra layer of financial security and convenient access to money when you need it. Connect your account to an Overdraft Protection Line of Credit and rest assured that you’re covered. MainStreet Bank offers two lines of credit: overdraft protection line of credit at 11.99% fixed APR1 and secured overdraft protection line of credit at 16.99% fixed APR.1

The money you need, when you need it

Emergency expenses happen. Modern consumers are looking to their financial institutions to offer flexibility. That’s where MainStreet Bank steps in. Our Overdraft Protection Line of Credit lets you rest assured that you’re covered. That extra layer of financial security and convenient access to money is a must for today’s consumer. Benefits include no annual fee, fixed rates, automatic transfers and no overdraft charges1. Get the money you need, when you need it with MainStreet Bank.

*All Loans are subject to approval


We believe in rewarding our customers. MainStreet Bank is proud to offer innovative and convenient financial products for your personal banking needs.

Fixed Rate & No Annual Fee

Enjoy a fixed APR and no annual fee for overdraft protection1.

Automatic Transfers

Automatic line of credit transfer in increments of $100 up to credit limit.

Avoid Overdraft Charges

Use your available line of credit funds to avoid overdraft fees.

1 Review our Personal Fee Schedule prior to utilizing any of our fee based products or services. Late Payments will result in freezing the Overdraft Protection Line of Credit from further advances until balance is paid current. We will calculate your balance using a method called “average daily balance (including new advances).” See your account agreement for more details. Information on your rights to dispute your transactions and how to exercise those rights is provided in your account agreement.

Learn more about our Overdraft Protection Services and Solutions.

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