Overdraft Options

Here at Scient, we understand mistakes happen. That’s why we offer several overdraft options for your every need.

Share Transfer Overdraft Protection
  • Automatically transfers available money from your savings account to cover a transaction* that exceeds your available checking account balance
  • You don’t need to do anything—Share Transfer Overdraft Protection is included when you open your Scient checking account and link a secondary source of funds
  • A fee applies for each transfer.  Please see fee schedule
  • Need another option? Apply for an Executive Reserve Account, and use it only when you need it with no transfer fees.

If Share Transfer Overdraft Protection is not an option, learn more about our Privilege Pay options.


*Please inquire with a Scient representative to see what overdraft protection plan is right for you. We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.