Debit Card Overdraft Protection

Overdraft Protection

Bellco offers debit card overdraft coverage to give you peace of mind and help you avoid a declined transaction. With Bellco Debit Card Overdraft Protection, Bellco may approve everyday debit card transactions for you when you don't have sufficient funds in your account to complete your purchase.

You will need to provide your consent to add Bellco Debit Card Overdraft Protection coverage to your account.

Watch a short video to learn about your overdraft protection options from Bellco.

Here are the four simple ways you can add the overdraft protection feature to your account:

  • Online – Log into Online Banking at, click on your checking account and follow the directions.
  • Phone – Call 303-689-7800 or 1-800-BELLCO1 and a Bellco representative can help you.
  • In a branch – Visit your nearest Bellco location to sign-up.
  • Mail – Complete the overdraft consent form and mail it back to Bellco at PO BOX 6611, Greenwood Village, CO 80155.

Important details to note about Bellco's Debit Card Coverage

We will charge a fee of up to $31 each time we pay an overdraft created by check, everyday debit card transactions, other transactions made using your checking account number and automatic bill payments.

Once an overdraft has occurred, you are obligated to bring your account to a positive balance within 14 days.