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Personal Overdraft Protection

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HAPPY STATE BANK: A friend when you need one. 

If you're a few dollars short in your bank account, would you rather: (A) know with confidence that your check or debit card will clear? Or (B) encounter the "inconvenience" associated with NSF fees or those uncomfortable stares at the register?

Our Overdraft Protection Plan can be used to pay transactions when you do not have enough money in your account.  The types of transactions include:

•  Checks and other transactions made using your checking account number
•  ACH transactions; and
•  Automatic bill payments.

However, your Overdraft Protection Plan cannot be accessed by ATM/debit card transactions unless you opt-in and authorize HAPPY STATE BANK to pay ATM/debit card transactions using your Overdraft Protection Plan.

Peace of mind from a bank that has your back. That's a HAPPY EXPERIENCE