Business Overdraft Policy

Available Balance

The Available Balance for your Checking Account may include your Overdraft Privilege limit.

Overdraft Fees

We charge a fee for any item which creates an overdraft on your account whether the item is a check, in-person withdrawal, ATM withdrawal or other electronic means. We will assess a $28 overdraft item fee for each item that we pay that creates or increases an overdraft on your account (daily maximum $84). We will also assess a $28 return item fee for each item presented against insufficient funds that we return unpaid regardless of the type of item (daily maximum $84). You must bring your account to a positive end-of-day balance within 30 days.

Payment Discretion

Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, you are not making regular deposits, or you have too many overdrafts.