OVERDRAFT PROTECTION

Avoid the stress of overdrafts with protection that covers unexpected shortfalls. Link your checking to a savings or line of credit for added peace of mind.

Lake Ridge Bank Logo Top

Protect Your Finances from the Unexpected

Our overdraft protection options give you peace of mind and help prevent declined transactions or costly fees.

Account Fees & Options
Checkmark

Multiple Coverage Options

Link your checking to a savings account or personal reserve line of credit.

Checkmark

Prevent Overdraft Fees

Automatically cover shortfalls and avoid returned payments.

Checkmark

Simple Setup

Easily add protection to your account with help from our local team.

Checkmark

Stay in Control

Manage your accounts and transfers anytime through online and mobile banking.

Your Financial Safety Net, Expanded

bill pay icon

Personal Loans

When you need more than a small buffer, personal loans offer quick, flexible funding for life’s unexpected expenses—no collateral required.

Get Flexible Funding
house money icon

Home Equity Loans & Lines of Credit

For homeowners, a home equity loan provides access to larger sums at potentially lower rates—ideal for ongoing expenses or big-ticket needs.

Borrow With Confidence
Money Transfer

Auto Loans

If a new or used car is your next big expense, our auto loans offer competitive rates and a smooth financing process.

Explore Auto Loans
computer banking icon

Online Banking

Stay on top of your balances and transactions with online banking tools that help you avoid overdrafts in the first place.

Stay In Control

New to Online Banking?

Banknotes Blog

View All Posts
CEO Insights Jim Tubbs

CEO Insights: Technology Should Make Banking Feel More Human, Not Less

Artificial intelligence is everywhere these days. It’s in the news, in our workplaces, in our schools, and increasingly in our daily lives. Depending on who you ask, AI is either the greatest technological advancement of
Read Post
business man looking at reports

Market Report: July 2026

Freedom Last month this commentary discussed a dystopian world where the Germans and Japanese won World War II.  While the show didn’t necessarily expound on the economic realities of what that world might look like,
Read Post

Meet Your Business Banker: Jordon Geiger

Jordon Geiger Chief Wealth Management Officer 6430 Bridge Road, Monona JGeiger@lakeridge.bank (608) 826-3561 Q: What is your role at the bank? While I have been a part of Lake Ridge Bank for 18 years, I
Read Post
Professional speaking to client

Making Banking Easier: Why Managing Investments In-House Matters

There are many factors to consider when choosing the right team to protect your finances and grow your net worth. One little-discussed factor that could play a role in the decision is whether your team
Read Post