Overdraft Protection Services

Personal Line of Credit

Courtesy Pay Program

Overdraft Protection Transfer

Vancouver WA | Battle Ground WA
Clark County | Cowlitz County | Skamania County

People's offers three different services to help ensure your accounts do not get overdrawn, transactions declined, or checks returned. 

Personal Line of Credit (PLOC)

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A PLOC is the perfect companion to your People's checking account. When you sign up and are approved for a PLOC, you protect yourself against accidently overdrawing your account. Rather than declining or returning your transaction because of insufficient funds, we'll automatically advance you a small loan.

This helps you:

  • Avoid the embarrassment of returned checks and other charges to your account
  • Protect your credit record
  • Avoid overdraft fees

You can also use PLOC for emergencies, travel, education or other purchases you would like to finance. This is just one option available for financing these needs; we offer other personal loans, such as share-secured and debt consolidation.

There are no annual fees for a PLOC, nor any fee per withdrawal.  Apply for a PLOC today! 

Apply Online

Courtesy Pay

We also offer overdraft protection through our Courtesy Pay Program 

 Courtesy Pay Frequently Asked Questions

 Authorize Us to Pay ATM and Debit Card Transactions

 You can sign up (also called opt-in) if you want us to pay your everyday debit card transactions, as well as ATM withdrawals.  To authorize us to pay these types of transactions, please complete and sign this Authorization Form and mail it to us. You may also bring the form to any of our branch offices:

Authorization Form

Overdraft Protection Transfer

You can also signup for our Overdraft Protection Transfer service, which transfers funds from your savings (assuming there are sufficient funds) to your checking account in $100 increments, for a $3.00 fee per transaction.

Fee Schedule