Seaside offers three ways to protect against the cost and inconvenience of returned checks. Just link your checking account to another Seaside deposit account, a MasterCard® or Visa® of your choice or your Seaside Personal Reserve Line of Credit to guard against overdrawing your checking account.

• Deposit to Deposit Overdraft Protection¹
  If you overdraw your Seaside checking account, have another Seaside deposit account, and have requested Overdraft Protection, we will automatically transfer the amount you need from the designated account to your checking account.
• MasterCard^® or Visa^® Overdraft Protection²
  When your Seaside account runs short, we will automatically transfer funds from a MasterCard^® or Visa^® of your choice.
• Personal Reserve Line of Credit³
  When your Seaside checking account is overdrawn, an advance is made from your Personal Reserve Line of Credit to your checking account.

¹ Transfers will occur in increments of $100.00. The number of transfers per month may be limited by Federal Regulation D.

² Transferred funds are treated as a cash advance; the finance charge is imposed from the date of posting of each cash advance at the monthly periodic rate (determined by dividing your current Annual Percentage Rate by 12). Transfers will occur in increments of $100.00.

³ Transfers will occur in increments of $100.00. The amount transferred cannot exceed the available credit limit on your Personal Reserve Line of Credit line. Transferred funds are treated as a cash advance; the finance charge is imposed from the date of posting of each cash advance at a rate of 12% of the outstanding balance.