Overdraft Protection: How to Prevent Fees and Stay Financially Secure

At City National Bank of Florida, we are committed to helping you manage your money with confidence. One way we do this is by offering solutions that reduce financial stress and support smarter banking— such as Overdraft Protection. Overdrafts and non-sufficient funds (NSF) fees can happen unexpectedly and lead to costly consequences. With Overdraft Protection, you can stay covered and avoid unnecessary fees, while maintaining uninterrupted access to your funds.

What Is Overdraft Protection?

Overdraft Protection is a convenient service that links your primary checking account to another eligible CNB account—such as a savings, money market, checking account, or line of credit. When your checking account doesn’t have enough funds to process a transaction, funds are automatically transferred from the linked account to cover the difference. This feature helps ensure your payments are completed on time and allows you to avoid returned items, declined transactions, and per-transaction NSF fees.

Benefits of Enrolling

• Lower Fees: Instead of paying $18.50 per NSF transaction, Overdraft Protection charges a flat $10 daily fee—regardless of how many items are covered.‍
• Automatic Transfers: If funds are available, they are transferred automatically—no action required on your part.
• ‍Multiple Items Covered: One daily fee can cover multiple transactions, helping you reduce or eliminate excess charges.‍
• Added Convenience: Avoid payment disruptions, returned checks, or delays due to insufficient funds.

Eligibility Requirements¹

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You may be eligible for Overdraft Protection if:

• You have two or more CNB accounts (checking, savings, money market, or line of credit)
• Your funding account is in good standing
• Both accounts share the same Taxpayer Identification Number (TIN) Ineligible accounts include custodial, escrow, or accounts under special restrictions.

Not sure if your accounts are eligible? Our team can help review and guide you through the options—
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Speak with your Relationship Manager or contact our support team:

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Via phone:
305-448-6500
Monday - Friday 8:00 AM to 8:00 PM ET | Saturday 8:00 AM to 2:00 PM ET
We are closed on federal holidays.

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Or

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Send us a message using our convenient contact form.

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Let us support your efforts to manage your money with more confidence and fewer interruptions.

Smarter Banking Starts Here
Overdraft Protection provides a reliable solution to help avoid overdraft fees and stay on track financially. Take control of your finances with overdraft protection—helping you minimize fees and maintain financial stability. For full terms, see our Disclosure & Schedule of Fees or speak with a CNB representative.

¹_{Eligibility for Overdraft Protection is subject to approval. Not all account types qualify. Terms, conditions, and fees apply. See a banker for details.}

^{City National Bank of Florida may charge $18.50 per overdraft (for personal accounts); $37.00 per overdraft for commercial accounts. Please note, these statements apply to personal accounts only: If an overdraft remains unpaid for five business days, a $20 sustained overdraft fee may apply. Up to five overdraft fees can be charged per day (maximum $92.50). Fees may apply to checks, ACH, debit card, ATM, and other withdrawals that exceed your available balance. Overdrafts under $20 or items $20 or less are not charged a fee. CNB may decline to pay overdrafts at its discretion.  The Bank may, at its discretion, return any item if sufficient funds are not available at the time of processing. A $10 transfer fee applies per use. The fee applies to Overdraft Protection.}

‍The content in this article should not be taken as advice coming from City National Bank of Florida. City National Bank of Florida does not offer tax, legal or accounting advice.