Standard Overdraft Services

If you went to the grocery store and tried to pay using your debit or ATM card and did not have enough funds, your transaction would be declined. We can help. Opt in to our Standard Overdraft Services, so that your ATM and one-time debit-card transactions may be approved even if you do not have enough funds in your account.

With the Standard Overdraft Service, there’s a flat fee ($37) we charge to cover each occurrence of an overdraft. If your account is overdrawn for seven consecutive calendar days, we will charge an additional $5 per business day. You can opt in to our Standard Overdraft Services in order for an overdraft resulting from a debit or ATM card transaction to be paid and a fee to be assessed*. If you do not opt in, any debit or ATM transaction that would overdraw your account will not be paid and no fee will be assessed. Standard Overdraft Services fees will continue to apply for overdrafts from check and online bill pay transactions.* Learn more about Overdraft Protection Services.

The following examples show how items might be handled differently when you opt in versus opt out of Standard Overdraft Services for ATM and one-time debit-card transactions.

In this example if you opted in for ATM and one-time debit-card transactions, items would be paid and you’d be charged the appropriate fees for this service.

Opting In Transaction Amount Result Fees Running Balance
Beginning available balance       $20
ATM withdrawal $20 Item is approved*   $0
Grocery store purchase $40 Item is approved and fee is charged* -$37 -$77

In this example the transactions would be declined if you did not have enough funds in the account, and no fees would be charged.

Opting Out Transaction Amount Result Fees Running Balance
Beginning available balance       $20
ATM withdrawal $20 Item is approved*   $0
Grocery store purchase $40 Item is declined   $0

Opt In **

* We pay overdrafts at our discretion, for accounts that are in good standing. We do not guarantee that we will always authorize and pay any type of transaction.

**You must opt in for each checking account you have with us.