On accounts that offer the Overdraft Protection Program there's no cost to set up overdraft protection, you’ll be charged an overdraft fee per item paid. You’ll have up to 30 days to pay back the amount owed by making a deposit into your account. View the Overdraft Protection Disclosure. On accounts that offer Coverdraft there is no fee for the Coverdraft transfer. You have the option to set a predetermined amount for transfers (such as $250, $100, etc.). With this option, the specified lump sum will transfer when a Coverdraft is needed, helping to reduce the number of potential transfers. If you choose not to set a predetermined amount, only the amount needed to cover the transaction will be transferred for each separate transaction. Coverdraft transfers from a First Command Money Market Savings Account are included in the federal limit of six withdrawals/transfers per month. Withdrawals exceeding the limit will incur a fee.