Overdraft Protection Programs

An overdraft occurs when you do not have enough money in your account to cover a transaction. In order for us to consider paying it, you must have some form of overdraft protection. We have three different Overdraft Protection Programs for you to choose from. You can find out more about these services by calling us at 855-527-4111 or by visiting any of our office locations.

We can cover your overdrafts in three different ways:

  1. Automatic Transfer Service. By linking a savings account with your checking account, the funds in the savings account will automatically transfer into the checking account to cover overdrawn items, providing overdraft protection. A low transfer fee of $5.00 will apply.
  2. Reserve Credit. By applying for a reserve line of credit that will be linked to your checking account to cover overdrawn items, providing overdraft protection. This program is subject to credit analysis and interest will apply for any outstanding balances.
  3. Overdraft Privilege. The standard overdraft protection benefit that comes with your account authorizes us to consider automatically paying your overdrawn items created by check and other transactions made using your checking account number, in-person withdrawals, on-line bill pay and automatic bill payments.  By opting-in, we will also consider paying your overdrawn items created by ATM transactions and everyday debit card transactions.  The fee is $32 per any overdraft.  We have placed a limit of 5 fees per day that we will charge you for overdrawing your account.  If the item presented is $5 or less or your account balance is overdrawn by $5 or less, there will be no charge.  The amount of any overdraft plus our NSF and ATM/POS/Debit transaction overdraft charge(s) that you owe us shall be due and payable upon demand. 

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined. Once you opt in, if you decide at any time that you no longer wish to continue the service, you may revoke your consent at any time.

Because we are always looking out for our customers’ best interests we want to share some overdraft tips to help minimize the occurrence of overdrafts.