Example of Check Plus Overdraft Protection


  • Checking account is overdrawn by $9
  • $50 Overdraft Cash Advance from your Commerce Visa® credit card is deposited to checking account
  • $41 balance in checking account ($50 deposit, minus $9 overdraft)
  • Your credit card statement will show:
    • $50 Overdraft Cash Advance
    • Overdraft Cash Advance Fee*
    • Overdraft Cash Advance Interest Charge**

* Overdraft Cash Advance Fee: 5.00% of the Cash Advance amount, with a minimum of $10.00 and no maximum for each Cash Advance resulting from overdraft protection.
** An Overdraft Cash Advance will be treated as a Cash Advance on your Commerce Visa credit card. See the application disclosure or Account Opening Disclosure for specific rates associated with Overdraft Cash Advances.