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Overdraft fees swiping your extra cash?

The average checking account charges a hefty overdraft fee when you dip below $0. But 360 Checking is not your average checking account—and we don't charge an overdraft fee. Instead, we provide two great options to help you out so you can kiss overdraft fees goodbye:

  • Set up Free Savings Transfer, a free option where we'll pull funds directly from your 360 Savings® account to pay the overdraft amount, so long as you have enough in there to cover the entire amount.
  • Or apply for an Overdraft Line of Credit, where you'll pay interest only on the amount you borrow. (Annual Percentage Rate of %. Rate is variable and subject to change.)