Business Overdraft Protection

Forgetting to record a check or debit can happen to anyone, but our Business Overdraft Protection provides options for payment of items when your NB Business Checking account is short of available funds.

Business Overdraft Protection provides coverage for customers with an NB Business Checking account. Borrowing limits from $2,000-$10,000 are available.


  • Apply online in only 5 minutes
  • Receive a decision within 3 business days
  • Quick access to your funds
  • Easily manage your credit line through online banking
  • Monthly payment amount is determined by the outstanding line of credit balance


  • $50.00 documentation fee
  • $50.00 annual fee charged on anniversary

You can apply for a Business Overdraft Protection online in only 5 minutes. To begin, have your business information ready, including Tax ID Number, NB Checking account number and annual sales. For added convenience, you can save your application at any time to return to it later. Let's get started!

Apply Now

Don’t have an NB Business Checking account? Please contact us at 781-444-2100 or [email protected]



How do I access my Business Overdraft Protection?

Your overdraft line of credit links to your Needham Bank business checking account and can cover transactions up to your approved credit limit. In the event your account does not have adequate funds available, the funds needed will be transferred from your Business Overdraft Protection Line of Credit, up to the available credit limit, to cover ATM withdrawals, debit card purchases, checks, and online bill payments. 

Can I link multiple accounts to my Business Overdraft Protection Line of Credit?

Yes, you can split the approved credit limit up and link multiple Needham Bank Business Checking accounts.  

What do I need to get started with NB Business Online and NB Business Mobile?

To use NB Business Online and Mobile Banking, please visit your local Needham Bank branch to complete an online banking enrollment form and sign a Business Online Banking Agreement.

Once you have completed and signed the necessary documents, your application will be sent to our Business Online Banking team to be processed. You will receive an email with first time login instructions.  Please follow the directions in the Welcome email(s) to access our Business Online Banking portal.

Knowledge Center

Growing Your Small Business

Needham Bank provides resources to help you grow your small business. These simple steps can set you up for success when it comes to business expansion.

Learn more about Growing Your Small Business

Get started and apply for Business Overdraft Protection
in only 5 minutes.

Apply Now