An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
1. We have standard overdraft practices that may come with your account.
2. We also offer overdraft privileges such as a link to another checking account, which may be less expensive than our standard overdraft privileges. To learn more, ask us about your options.
This notice explains our standard overdraft practices.
We do authorize and pay overdrafts for customers in good standing that do not have excessive account abuse for the following types of transactions:
After August 15, 2010, we will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
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.
Under our standard overdraft practices:
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions or to continue any overdraft privileges now in effect, please complete the form below.
Our Service Representatives are standing by if you prefer to Opt In or Revoke Earlier Request by phone. You can find your specific branch phone number on our locations page.
If you prefer to Opt In or Revoke Earlier Request by mail, please print this form and send it to your branch.
You can find your specific branch address on our locations page.
Sometimes it's easier to talk about things in person. Please visit any of our locations and ask a personal banker to help you decide which plan is best for you.