Magic Online Banking

Courtesy Coverage


We encourage all of our customers to manage their finances responsibly, and we understand that, at times, life happens and you may run short of cash. That’s why we have a safety net program called Courtesy Coverage for your checking account.

Courtesy Coverage is overdraft protection* exclusively for qualifying customers which gives you peace of mind knowing that your checks and ACH (Automated Clearing House) debits will be covered up to a predetermined amount. With your approval we can protect your ATM and debit card transactions as well.

To receive Courtesy Coverage:

  • speak with a Personal Banker to see if your account qualifies
  • call our Customer Service Center at 618.656.0098

To learn more about Courtesy Coverage Overdraft Program and sign up for protection on your ATM/Debit card transactions, please click here.