Skip to content
Log in to Digital Banking Loan Payment

Overdrafts happen. But we’ve got you covered.

Life moves fast, and sometimes the math doesn't work out perfectly. That's not a failure; that's just life. At Arise, we offer real overdraft protection options designed to keep your payments going through, your credit rating protected and your stress levels low.

Open An Account Schedule an Appointment

Automatic Transfer

Let your own savings cover the shortfall.

If you have a savings account with Arise Financial, you've already got one of the best overdraft protection tools available, and it won't cost you a thing. Set up automatic transfers, and if your checking balance ever runs short, funds move from your savings account to cover it instantly.

  • Funds are automatically transferred from your Arise savings account to cover any checking account shortfall before a payment is declined
  • This service is completely free
  • Coverage is instant, so your checks, bill payments, and ACH transactions go through without interruption
Enroll Now
Key details
  • Service Fee Completely free
  • Transfer Trigger Automatic, the moment your checking balance falls short
  • What it Covers Checks, ACH payments, automatic bill payments
  • How to Enroll Email, Phone, or in-branch

Overdraft Line of Credit

No access fee. Just a revolving credit when you need it.

An Arise Overdraft Line of Credit gives your checking account a dedicated financial cushion, a revolving line of credit that kicks in automatically whenever your balance won’t cover a necessary payment. There's no fee each time we access it. You simply borrow what you need and repay it with interest, just like any revolving line.

  • A revolving line of credit is automatically accessed the moment your checking account balance falls short
  • No fee each time the line is accessed
  • You only pay interest on the outstanding balance
  • Interest applies just as it would with any revolving line of credit
  • Covers checks, ACH transactions, and automatic bill payments
  • For ATM and everyday debit card transactions, a simple opt-in is all it takes
  • Apply online, by phone, or at your local Arise branch
Apply Now
Key details
  • Service Fee No fee each time the line is accessed
  • Interest Applies to the outstanding balance, just like any revolving credit line
  • Coverage Checks, ACH payments, automatic bill payments
  • Account Requirement Account owners and signers must be the same on all linked accounts

The easiest ways to keep your checking balance in the green.

Grow your balance while keeping your cash accessible and your options open.

Direct deposit

Set up direct deposit for your paycheck, Social Security benefits, or any recurring income.

Online banking

See your real-time balance, what's already cleared, and what's still pending.

Mobile banking

Check your balance, and make transfers between accounts from your phone

Text alerts

A brief text message heads-up that alerts you when things get tight.

Your overdraft options questions, answered.

The ones we hear most. Answered plainly, without the fine print.

What exactly is an overdraft?
An overdraft happens when there isn't enough available balance in your account to cover a transaction. Rather than leaving your payment to be declined, Arise gives you several ways to make sure things still go through so your credit rating remains protected.
What's the difference between my actual balance and my available balance?
Answer coming soon.
How much is the standard overdraft fee?
Answer coming soon.
Which transactions does Arise cover automatically?
Answer coming soon.
Is the Automatic Transfer from Savings service really free?
Answer coming soon.
What's the difference between Automatic Transfer from Savings and an Overdraft Line of Credit?
Answer coming soon.
How do I sign up?
Answer coming soon.
Are there any account requirements I should know about?
Answer coming soon.

Terms & Conditions

*APY = Annual Percentage Yield. Rates shown are current and subject to change.

View Terms & Conditions

We're here for you.

Our team is ready to help you reach your goals with personalized support and guidance.

Contact Us
Visit a Branch Find a branch or ATM near you. Find Locations Message Us Get help from our team when you need it. Send a Message Call Us (781) 878-4000 · Mon – Fri: 8am – 6pm · Sat: 9am – 1pm View All Hours