Yes, Privilege Pay is our overdraft program that is offered at our discretion and allows you to withdraw more than your account balance for a short period of time in order to cover unexpected emergencies. In essence, we advance you the money you need to pay for the items by allowing your account balance to go temporarily negative. We charge you a $32.00 fee for each item cleared in this manner, although there is a cap to how much your account will be charged in Privilege Pay fees ($224.00/day and $750/month). We also offer Overdraft Line of Credit, which is a loan product that is linked to your checking account and will automatically transfer available funds to cover any insufficient funds items that are presented for payment. Each such transfer to your checking is an advance against your Line of Credit and increases your loan balance. While there are no fees for the transfers themselves, you will pay interest on any outstanding Line of Credit balances. If you pay off the Line of Credit balance on the same day that it is advanced, you will not be charged any interest.