Ways to Reduce Overdrafts

Arvest Overdraft Protection

We offer several options that you can use to help manage your checking account balance and avoid overdrafts. Monitoring your account balance may help you prevent overdraft fees. It may also alert you to fraudulent activity on your account. We are happy to help you get set up with any of these services:

24-hour Account Information Line – Automated account information available by phone 24 hours a day, 7 days a week. This service includes the ability to transfer funds between accounts. Any transactions you initiate that have not yet been presented to the bank are not reflected in the available balance information.

Arvest Online Banking – You can use Arvest Online Banking to monitor account activity and available balance information each day for transactions that have been presented to us for payment. You can also use Arvest Online Banking to transfer funds between accounts and to initiate electronic bill payments through our Online BillPay service. Any transactions you initiate that have not yet been presented to the bank are not reflected in the available balance information. While Online Banking can be one tool to monitor account activity, you should not rely on your available balance to determine the actual amount of money in your account as it may not reflect all transactions you have authorized that we are not aware of.

Arvest Mobile Banking – You can use Arvest Mobile Banking to monitor account activity and available balance information each day for transactions that have been presented to the bank for payment. You can also use Arvest Mobile Banking to transfer funds between accounts. In addition, with a smart phone app you can deposit checks into your account without making a trip to the bank. Any transactions you initiate that have not yet been presented to the bank for payment may not be reflected in the available balance information. While Mobile Banking can be one tool to monitor account activity, you should not rely upon your available balance to determine the actual amount of money in your account.

Text Alerts – Customers with Arvest Mobile Banking can also sign up for SMS text alerts or push notifications regarding specific account transactions, including deposits posting, withdrawals over a set limit, account dropping below a predetermined balance threshold or an overdraft fee posting.

Email Balance Alerts – Set up email alerts through Arvest Online Banking that will notify you when your account reaches a specific balance amount.

Arvest Bright Solutions™ Banking - Focus less on preventing overdraft fees, and more on simple budgeting and money management. Bright Solutions™ Banking is a completely different banking product meant for customers not interested in overdraft fees. Please consult your Arvest Customer Service Representative for additional information about this product. 

In addition, we offer online assistance at arvestmoneyskills.com. This website has resources to assist you with managing your money such as setting budgets, managing credit and several other areas of financial management. If you do not have access to the internet, come visit us at your local branch for assistance in using these valuable resources.

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