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Overdraft Protection and Overdraft Fees

New regulations will affect how we are able to handle certain types of overdrafts incurred on your ATM and debit card after August 15. 

It's your choice - but you need to let us know.

It's simple: if you don't opt-in, we have no choice but to decline all everyday debit card and ATM transactions that will overdraw your account effective August 15, 2010. That means we will not be able to authorize or pay certain types of debit and ATM card overdrafts on your checking account without your consent.


Avoid the Frustration 

Overdraft Privilege helps protect you against having your transactions returned in the event of an inadvertent overdraft of your accounts by giving you a reserve for an emergency or unexpected situation. Beginning August 15 th, 2010 we will no longer pay everyday debit card or ATM transactions that overdraw your account unless you OPT-IN*.

We are making this change in order to comply with changes in the law.

Below is a list of how this change will affect your account:

Current Overdraft Privilege Program

Beginning August 15, 2010

With the current Overdraft Privilege Program the bank will authorize and pay the following types of transactions:

If you have Overdraft Privilege we will continue to authorize and pay the following transactions:

* Checks

* Checks

* Automatic (ACH) Payments * Automatic (ACH) Payments
* Recurring Debit Card transactions * Recurring Debit Card transactions

* Everyday Debit Card transactions

But we will NOT authorize and pay overdrafts for the following types of transactions, unless you OPT-IN:

* ATM Transactions * ATM Transactions
  * Everyday Debit Card transactions

*There is no fee to OPT in: you only pay fees per item paid when you are overdrawn.

What types of everyday debit card transactions could possibly be denied if you do not OPT-IN?

  • Grocery store purchases
  • Medical Emergencies
  • ATM Cash withdrawals
  • Gas purchases
  • Emergency car or home repairs
  • Purchases when traveling
  • Restaurant transactions
  • Online and telephone transactions

In order to avoid being inconvenienced by this change and to continue to conduct transactions on your account as usual, you must OPT-IN. By Opting In you authorize the bank to pay overdrafts on ATM and everyday Debit Card transactions.

What You Need to Know about Overdrafts and Overdraft Fees

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:

  • We have standard  Overdraft Privilege™ that comes with your account.
  • We also offer overdraft protection, such as a transfer from a savings account, which may be less expensive than our standard Overdraft Privilege™. To learn more, ask us about these plans.

This notice explains our standard Overdraft Privilege™.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to by Opting-In (see below):

  • ATM transactions
  • Everyday debit card transactions

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.

What fees will I be charged if you pay my overdrafts?

Under our standard Overdraft Privilege™:

  • We will charge you a fee of $25.00 for each overdraft advance created by check, in-person withdrawal, ATM withdrawal or other electronic means.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want you to authorize and pay overdrafts on my ATM and everyday debit card transactions?

  • If you DO want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please select "YES" below. If you DO NOT want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please select "NO" below.


What if I want to revoke my authorization to pay overdrafts on everyday debit card transactions?

  • You can revoke your authorization at any time by the following means:
    • Stop by your local branch to sign a revocation form;
    • Call your local branch and we will mail a revocation form to you
    • E-mail us via secure messaging on our Online banking site.
    • Click here to download the form in PDF format
    • Click Below to fill out the form and email directly


Overdraft Protection Opt Form




















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