Overdraft protection is available to avoid fees on checking accounts if accounts are overdrawn. It also provides a simple small personal loan for use in those months when extra money is needed between paychecks. Overdraft protection is a credit product and is only available subject to credit approval by Baytree National Bank & Trust Company. The standard overdraft protection is $1000 of credit attached to your checking account, although higher amounts can be arranged. You pay an interest charge on the used portion of the loan, instead of paying an overdraft fee on your checking account.