Standard and Extended Coverage For Overdraft Privilege
Overdraft Privilege helps protect you against the additional costs, embarrassment, and inconvenience of an accidental overdraft on your account by giving you a reserve for emergencies and unexpected situations. There is no charge for having this discretionary privilege on your account unless you use the service. If you do not overdraw your account, you will never be charged an overdraft fee.
What Does It Cover?
Standard Coverage Includes:
- ACH / Preauthorized Debit Transactions
- Recurring Debit Transactions
- In-Person Teller Withdrawals
- Online or Telephone Transfers
- Bill Pay Transactions
Extended Coverage Includes:
All of the items in Standard Coverage, plus:
- ATM Card Withdrawals
- Everyday Debit Card Transactions
Click here for a description of our overdraft practices and the options that are available to you.
To authorize us to pay overdrafts on ATM and everyday debit card transactions simply call 877.820.2265 or stop by the branch location nearest you.
If you choose, you may opt to have no Overdraft Coverage. Without Overdraft Coverage, your insufficient items will be returned to the payee and or declined at the point of purchase. You will be charged the standard overdraft fee for all returned items.
Why Have Overdraft Privilege On Your Account?
Convenience and flexibility in covering your payments
Less likely to incur expensive merchant returned checks
Avoid the embarrassment of a declined transaction
No additional fees for having this service if you do not use it
- It protects your account against:
- Unforeseen expenses that may drain your account
- A delay in an expected deposit
- Honest mistakes in balancing your checkbook
Click here if you would like to review our Discretionary Overdraft Privilege Disclosure