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ATTENTION: System maintenance will be performed on Tuesday, August 22nd between 9:00 P.M. and 11:00 P.M. During that time connectivity to our network, SBD Online/Mobile Banking, SBD Business Online/Mobile Banking and Bankline telephone banking may be unavailable. We apologize for any inconvenience this may cause.

We can provide help when an oversight causes you to overdraw your account.

Unanticipated expenses can leave your account lacking the money you need to cover expenses, but Overdraft Privilege automatically provides funds in this event. It's a convenient service that provides peace of mind and account protection.

  • Available to you at no cost, unless you use the service*
  • Get overdraft protection ranging from $300 to $500, depending on the type of checking account you use
  • Avoid the hassles, costly fees and credit score damage that accompany returned checks and declined payments
  • Bring your account back to a positive end-of-day balance within 30 days to remain eligible for the service

*You will be assessed our insufficient funds charge of $30 for each overdrawn item created by a traditional paper-based check, a teller withdrawal, an automatic payment (ACH) transaction or a recurring debit card payment. 

A $20 Premium OD Usage Fee applies to ATM transfers or withdrawals and everyday debit card purchases.

Service is provided at the discretion of Savings Bank of Danbury and is available only to customers over the age of 18 whose accounts are in good standing.

View Overdraft Privilege disclosures pdf