PERSONAL BANKING / Overdraft Safeguard OVERDRAFT SAFEGUARD (1) With our Overdraft Safeguard account you can protect yourself from an unwanted charge on your checking account. If you have a Sun American Bank checking account, you can obtain a personal line of credit. Then if you write a check that exceeds your checking account balance, your Overdraft Safeguard account will cover the amount up to your established credit limit. (1) Subject to credit approval.