We will be performing system updates on our card system Sunday February 5th, 2023, from 1:00am – 9:00am EST. During this time, some card transactions may be limited.

Overdraft Coverage Options

Life happens! Evans Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

The choice is yours. Consider these ways to cover overdrafts:

Service Cost
Overdraft Protection Line of Credit1, 2 Subject to Interest Charges, 18.99% APR as of 10/29/20
Safeguard Overdraft Service (SOS) $29 Overdraft Fee per item. “Additional fees may apply if account remains overdrawn for 5 business days.
Savings/Money Market Account for Overdraft Protection No cost for service

To learn more about overdrafts and how to prevent overdrafts, check out this video.

1 Call us at 716.926.3313 for more information, or come by a financial center to sign up or apply for these services; 2 Subject to credit approval.

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from a line of credit you may have at Evans Bank for a finance charge. Please note that overdraft lines of credit are subject to credit approval.

Transactions Covered with Safeguard Overdraft Service (SOS) Standard Coverage (No action required) Extended Coverage (Your consent required on consumer
Checks orange check orange check
ACH – Automatic Debits orange check orange check
Recurring Debit Card Payments orange check orange check
Online Bill Pay Items orange check orange check
Internet Banking Transfers orange check orange check
Telephone Banking orange check orange check
Teller Window Transactions orange check orange check
ATM Withdrawals *
orange check
Everyday Debit Card Transactions *
orange check

*If you choose Extended Coverage on your consumer account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under standard Coverage. If you already have Extended Safeguard Overdraft Service (SOS) coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

If you would like to select Extended Coverage for future transactions: call us at 716.926.3313 or visit any Evans Bank branch.

You can discontinue the Safeguard Overdraft Service (SOS) in its entirety by contacting us at 716.926.3313, or by visiting one of our financial center locations.


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