Documents in Portable Document Format (PDF) require Adobe Acrobat Reader 5.0 or higher to view, download Adobe® Acrobat Reader.

Overdraft Services

You have options

Bank Anywhere
Sorry, your device does not support our mobile banking app.

Overdraft Services


Choose what's right for you.

We understand that sometimes—whether you’re making a purchase, payment, or withdrawal—you need that transaction to go through. The best way to ensure your transactions are paid is to actively monitor and track your spending to avoid a non-sufficient funds (NSF) transaction, which is a transaction that would result in a negative account balance if it is paid (learn more about NSF transactions here). An overdraft occurs when we pay your NSF transaction.

We understand that situations happen that result in an NSF transaction. We offer several options to increase the likelihood that

your NSF transaction will be paid:
Transfer between Accounts Allows you to link another deposit account at Camden National Bank as a backup account to pay NSF transactions that may occur, if enough funds are available. A fee per transaction will be assessed. The number of transactions may be restricted by account type.
Overdraft Line of Credit Automatic transfer from a line of credit may be established if you meet our underwriting requirements. Funds borrowed from the line of credit are subject to interest charges and minimum monthly payments.
Progressive Pay Participate in our Progressive Pay service whereby we may pay NSF transactions at our discretion. An overdraft fee per transaction will be assessed.
With or without these options, we may approve your transaction, at our discretion, based on your account history and the transaction amount. We do not guarantee we will always pay your NSF transaction.

Keep an eye on it

Knowing your account balance can help you avoid fees. We offer a variety of ways for you to actively monitor your account and track your spending:
Sign up for Account Alerts
Simply log into online banking and select "Manage Alerts" under "Settings & Profile"
Log into digital banking
Keep informed by regularly checking online banking or our mobile app
Call us 24/7 
We're here for you, day or night, at 1-800-860-8821
Use a Camden National Bank ATM
When in doubt, you can easily check your balance at any of our ATMs

Customer Testimonials


Progressive Pay: an Overdraft Service for your Checking Account


Eligible accounts are automatically enrolled in our Progressive Pay service at account opening.

Enrolled accounts receive a Progressive Pay coverage amount. Your coverage amount is determined based on things such as the account’s age, activity, and usage history and may vary as things change. When we post transactions at the end of the business day, NSF transactions may be automatically paid up to your Progressive Pay coverage amount.

  • Consumers – You may elect to have your Progressive Pay coverage amount apply to everyday debit card transactions (such as groceries, gasoline and dining out) and ATM withdrawals. If you do, everyday debit card transactions and ATM withdrawals that would otherwise be declined may be authorized based on your Progressive Pay coverage amount. You may change your election at any time.
Consumer Accounts
Business Accounts
Checks or withdrawals slips Yes Yes
Automatic Payments (e.g. recurring phone bill, or utilities) Yes Yes
Recurring debit card purchases (e.g. subscriptions) Yes Yes
Everyday debit card purchases (e.g. coffee shop purchase or groceries) Optional Yes
ATM withdrawals Optional Yes
Transferring money through online or telephone banking No No

There is no cost to participate in the Progressive Pay service.

  • Transactions that are paid using the Progressive Pay coverage amount are subject to our standard Overdraft Fee.
  • Transactions that are returned because you have exceeded your Progressive Pay coverage amount are subject to our standard Returned Item Fee.

You will receive an overdraft notice for every covered transaction. Your monthly checking account statement reflects the total NSF transaction fees (both Overdraft Fees and Returned Item Fees) charged during the month and for the year-to-date.


In order to continue to participate in our Progressive Pay service, you must:

  1. Make sufficient deposits to bring your actual balance positive at least once every 30 calendar days (including the payment of all bank fees and charges);
  2. Avoid excessive overdraft usage that suggests you are treating Progressive Pay as if it were a line of credit; and
  3. Make sure there are no legal orders, levies or liens against your account.

We do not encourage overdrafts. It’s your responsibility to avoid overdrawing your account. We reserve the right to limit your participation and to suspend, revoke or discontinue Progressive Pay service without prior notice.

If you would like to remove the Progressive Pay service from your account, please call 800-860-8821, send a secure message from your online banking account, or visit any banking center location.