Overdraft Services

Overdraft Privilege
A service we can add to your checking account to cover overdrafts up to $500. There is a fee of $30 each time you access Overdraft Privilege. Both the amount of the overdraft item and all applicable fees, including but not limited to the $30 insufficient or overdraft fees, are included in the $500 limit. You can access overdraft Privilege by writing checks, ACH, ATM, Debit/POS, and other electronic transactions. You have 30 days to bring your account back to a positive balance. Whether overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, if you are not making regular deposits, or if you have too many overdrafts.

Overdraft Protection
With your authorization, your savings account can be tied to your checking as a backup for overdraft checks. Overdraft fee drops from $30 per item to $10 per day for any number of checks presented for payment. Transfers from savings are made in $100 increments.