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 ($29) we charge to cover each occurrence of an overdraft. We will charge no more than three overdraft fees in any one 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.

Opting In

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* -$29 -$69

Opting Out

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 **

  • Disclosure

    *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.

    By law, banks are permitted to limit certain types of withdrawals and transfers from your savings and money market accounts and charge an excess activity fee when you exceed such limits. The limitations apply to withdrawals by check, draft, debit card purchase or similar order (if available on the account), or telephone, or automatic or pre-authorized transfers to another of your accounts with us or to a third party. The limitations also apply to transfers made by Telephone Banking, Online Banking, or Mobile Banking and transfers from your savings or money market account to cover overdrafts. Due to federal regulation changes, we are currently not applying these limits or charging an excess activity fee.