Avoid using these plans as short-term loans — they are costly forms of credit.
If you overdraw your account, get money back into your account as soon as possible. Remember that you need to put enough money back into your account to cover both the amount of your overdraft and any fees.
Even if you have one of these plans, there is no guarantee that your bank will cover your checks, ATM withdrawals, and debit card or other electronic transactions that overdraw your account.
Good account management is the lowest cost way to protect your hard-earned money. If you need overdraft protection every now and then, stop by any Simmons Bank location and discuss your options.