Over-drafting on your account means you’ve spent more than you have. It happens to everyone sometimes, and it’s a simple mistake to fix.
Easy ways to prevent over-drafting could be getting your pay check direct deposited into the account, keeping a “buffer” amount of money in the account that’s not intended for bills or expenses, and recording your spending to analyze how much you spend and where you’re spending it. This can help you adjust your budget to avoid over-spending.
Every GHS share account comes to standard overdraft protections. These include checks, ACH automatic transfers, reoccurring debit payments, online bill pay transactions, and teller window transactions.
If you’re interested in extra protections beyond the standard ones, like ATM withdrawals and everyday debit transactions, GHS offers that as well. It just requires an extra step to sign-up.
1APR = Annual Percentage Rate. Rates are shown "as low as". Rates and terms are subject to change. The rate and term may vary depending on each individual's credit history and underwriting factors. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.
2APY = Annual Percentage Yield. Rates are subject to change at any time. Early withdrawal penalties may be imposed on Term Share Accounts. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.
3APY = Annual Percentage Yield. GHS available funds do not qualify. Minimum of $500.00 to open for 12 mos. APY good for original term only, no renewals at this rate. Credit Union Membership required with a $25 minimum deposit and $1.00 membership fee.