Why is my balance negative?

A negative balance, sometimes referred to as an overdrawn account, means more money has been withdrawn from your account than was available. This can happen when transactions, fees, or pending items use more money than is currently available in your account.

Common reasons include:

• Pending debit card purchases that have not fully posted yet.
• Automatic payments, subscriptions, or other withdrawals.
• Deposits that are still being processed and not yet available for use.
• Fees, returned deposits, or account adjustments.

What should I do if my balance is negative?

If your account has a negative balance, make a deposit as soon as possible to bring the balance back to positive.

If a negative balance is not resolved, certain account services may be restricted. In some cases, an account that remains negative for an extended period may be closed.

Need Help?

Review your recent transactions in Online & Mobile Banking to identify what caused the negative balance. Not enrolled in Online & Mobile Banking? Get started!

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