About Red Canoe
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At Red Canoe, our checking accounts don't have monthly fees and no minimum balance requirements. Our accounts are honest and straight-forward, just the way you like them.

Overdraft Protection Options:
We know you're busy and sometimes we all make little mistakes when balancing our accounts. That's why we have two overdraft protection options to cover you.

Standard Overdraft Protection Options

Overdraft Transfers:
Your checking account can be linked to your other Red Canoe accounts for free overdraft protection.  If your checking account doesn't have funds available to cover your transaction, we can automatically transfer from your savings, money market or other Red Canoe account.  
Overdraft Line of Credit:
Red Canoe also offers overdraft protection from a line of credit for those that qualify. If you do not have funds available in your savings accounts, we can use your line of credit to pay your overdrafts before Courtesy Pay is used. There is no fee to use your overdraft line of credit; however, interest will accrue at your qualifying rate from the time of the transfer until the loan is paid in full.

Courtesy Pay
Courtesy Pay is an added layer of protection when you unintentionally spend more than you have in your account. Courtesy Pay will cover your transactions, up to $800, for paper check or ACH payments on qualifying Red Canoe checking accounts. However, you must opt-in to extend this coverage to your qualifying ATM or Debit Card by adding Debit Courtesy Pay. There is no monthly fee to have Courtesy Pay, but you will be charged a per-item fee each time it is used.*

Debit Courtesy Pay
Debit Courtesy Pay is an added layer of protection when you unintentionally use your debit card for more than you have in your combined accounts.
If you opt-in for this service, we will process your debit transaction for you to avoid the embarrassment and inconvenience of your debit card being denied.  If you do not opt-in, your transaction will be denied.

There is no monthly fee to add this service to your qualifying account, you only pay a fee per item when used*.



*There is no limit on the amount of non-sufficient fund (NSF) fees that may be charged on any one day. There is an NSF fee for each overdraft check or item we pay or return as set forth on the Rate and Fee Schedule found in the Membership and Account Agreement.