Overdraft Options
We understand that you may need an occasional safety net to avoid an embarrassing moment at the store or for when that unexpected expense occurs. Our overdraft options can save you time, money and hassle.
Overdraft Options
We understand that you may need an occasional safety net to avoid an embarrassing moment at the store or for when that unexpected expense occurs. Our overdraft options can save you time, money and hassle.
How Overdraft Works
Taking advantage of your overdraft options is easy.
- Your options will be offered at time of account opening.
- Overdraft options can be added or removed to/from an account at any time.
- Simply stop in to any branch and we'll help you get signed up.
- Business Customers: Overdraft Protection is only available to accounts from a Savings Account or a Line of Credit.
- Overdraft options are not available to Easy Bank Account customers.
How Overdraft Works
Taking advantage of your overdraft options is easy.
- Your options will be offered at time of account opening.
- Overdraft options can be added or removed to/from an account at any time.
- Simply stop in to any branch and we'll help you get signed up.
- Business Customers: Overdraft Protection is only available to accounts from a Savings Account or a Line of Credit.
- Overdraft options are not available to Easy Bank Account customers.
Overdraft Option Types
| Covered Items | Overdraft Protection | Overdraft Privilege | Overdraft Coverage/ Reg. E Opt In |
|---|---|---|---|
| Check | No | Yes | No |
| ACH Payments | No | Yes | No |
| ATM & Debit Card Transactions | No | No | Yes |
| Check, Debit Card and ACH Transactions overdrafts covered by a Savings Account or Line of Credit | Yes | No | No |
| Fees | $5.00 per transfer from Savings Account; no fee from Line of Credit | $35.00 per item | $35.00 per item |
| Overdraft Protection | No |
|---|---|
| Overdraft Privilege | Yes |
| Overdraft Coverage/ Reg. E Opt In | No |
| Overdraft Protection | No |
|---|---|
| Overdraft Privilege | Yes |
| Overdraft Coverage/ Reg. E Opt In | No |
| Overdraft Protection | No |
|---|---|
| Overdraft Privilege | No |
| Overdraft Coverage/ Reg. E Opt In | Yes |
| Overdraft Protection | Yes |
|---|---|
| Overdraft Privilege | No |
| Overdraft Coverage/ Reg. E Opt In | No |
| Overdraft Protection | $5.00 per transfer from Savings Account; no fee from Line of Credit |
|---|---|
| Overdraft Privilege | $35.00 per item |
| Overdraft Coverage/ Reg. E Opt In | $35.00 per item |
Frequently Asked Questions
You should bring your checking account to a positive balance as soon as possible. To keep your account in good standing, you have 30 days to pay an overdraft and associated fees. However, depending on the situation, we can ask for repayment at any time. Any deposit made automatically or by you will first be applied to any overdrawn balance and associated fees.
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