Molly Dietz

Mar 28 2018

4 Tips to Avoid Overdraft Fees


What Is an Overdraft Fee?

Overdraft fees are assessed to an account when more money is withdrawn than available and the balance drops below zero. This fee is charged because your financial institution provided a small loan to cover the negative balance in your account. The sooner an overdrawn account is made positive, the less the overdraft charges are possible.

How to Avoid Overdraft Fees

  1. Have a cushion in your account at all times. Even just $50 is a great place to start.
  2. Log in to online banking often to keep track of your current balances. You may be able to catch an overdraft before it becomes a problem. This is also a good time to check for any unusual or unexpected charges on your account.
  3. Review account statements. Easily access Hills Bank account statements with Hills Bank Online under Services, View Statements/Notices.
  4. Sign up for overdraft protection with a sweep tied to another account.

Follow the tips above to help avoid overdraft fees. If you have any questions or would like to set up a sweep for overdraft protection, contact us at 1-800-445-5725,, or We’d be happy to help!

Molly Dietz

About Molly Dietz

Molly Dietz is a Personal Banking Officer at the Hills Bank location on Muscatine Avenue in Iowa City. She has been with Hills Bank since 2003 helping customers with their banking needs. Molly is an active member of the City High School Alumni Association and is an avid Hawkeye sports fan. Molly can be reached at

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