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H&R Block Bank's overdraft protection establishes a line of credit to cover your checks or debit card purchases in the event your account does not have sufficient funds. You will be charged interest if the line is used, but will avoid the fees and potential credit impact associated with having your check returned.

As an alternative, you can also link other accounts (e.g., a savings account) to your checking account to provide for an automatic transfer of funds to your checking account if it is needed.

You must request an Overdraft Protection Line of Credit by completing the necessary application. If you already have a checking account with us, download the application now.

There are no set up or maintenance fees associated with H&R Block Bank's overdraft protection, only interest charges assessed on your balance when the overdraft protection line of credit is used.