We offer a number of ways to monitor your account to avoid overdraft fees:
- Online Banking allows you to access your account 24/7 and helps you keep track of your account balances
- Email or Mobile Banking Alerts allow you to receive email or text message alerts when there's important activity on your account, such as a low balance or an overdraft.
Should you accidentally overdraw your account or encounter an unplanned emergency, we also make available a number of overdraft plans.
Most checking accounts include Overdraft Privilege for checks, ACHs (Automated Clearing House) and billpay items. If you would like overdraft protection extended to ATM or everyday debit card transactions, an authorization form is required. We also offer overdraft protection plans, such as a transfer from a savings account or an overdraft line of credit, which may be less expensive than Overdraft Privilege.
| |
Overdraft Privilege |
Transfer from Savings |
Line of Credit |
No Protection |
| Features |
Allow overdrafts up to a certain amount1
|
Savings account covers overdraft2
|
Advance from credit line to cover overdraft
|
None |
| Limit |
Depends upon account scoring1
|
Balance in savings account2
|
$300 - $5,000
|
No protection
|
Transfer or Advance
|
As needed up to allotted amount for checks, ACH and billpay1 Everyday debit card and ATM transactions won't be approved unless you complete an authorization form1
|
Amount determined by customer agreement2
|
$100 increments
|
No transfer or advance - if you don't have enough money in your account:
- Checks, ACH and billpay items are returned for Non-Sufficient Funds (NSF)
- Everyday debit card and ATM transactions are declined
|
Annual Fee
|
None |
None |
$15 |
None |
| Fee |
The cost will be based upon the dollar amount of the item that caused the account to be overdrawn:
- $34 per item over $20
- $10 per item under $20
- $ 0 if total overdrawn balance is less than $5
- Max limit per day: 5
|
$10 per daily occurrence - waived for Premium Accounts
|
None |
Returned checks, ACH and automatic bill payments are charged:
- $34 per item over $20
- $10 per item under $20
- $ 0 if total overdrawn balance is less than $5
- Max limit per day: 5
|
| Repayment |
Deposit or transfer required immediately to bring account to positive balance. Additional fees of $7 a day begin after the 5th day and thereafter if account balance is negative by greater than $5.
|
None |
Payment is 1% of the outstanding balance plus accrued interest or $100 whichever is greater
|
Deposit or transfer required immediately to bring account to positive balance. Additional fees of $7 a day begin after the 5th day and thereafter if account balance is negative by greater than $5.
|
| Interest |
None |
None |
12% - 14% APR3
|
None |
| Eligibility |
Any checking accounts
|
Saving account required
|
Qualifying standards apply
|
None |
To Select
|
For checks, ACH and billpay - included with all checking accounts unless you request no protection For everyday debit card and ATM transactions, you must complete an authorization form
|
Visit a branch or contact us to obtain required form
|
Visit a branch or contact us to obtain loan application
|
Visit a branch or contact us to request no overdraft protection
|
1 The overdraft privilege is not a contract or obligation of the bank to pay overdrafts created by withdrawals made by check, in-person, ATM, or other electronic means when insufficient funds exist in an account, but rather a customer service which allows customers to overdraw an account. This service remains discretionary. Any items presented that overdraw the account may be returned unpaid with the applicable non-sufficient fund fee charged to the account for each item.
2 Transfers made from savings and money market accounts are limited to six per statement cycle per federal regulations.
3 Annual Percentage Rate