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Consumer Overdraft Policy

Available Balance

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

Overdraft Fees

With our Courtesy Overdraft limit, we charge a fee for any of the following items when they create an overdraft on your account: checks, ACH, Bill Pay, internal and telephone transfers. We will assess a $28 overdraft fee for each item we pay that creates or increases an overdraft on your account (daily maximum $84). If you wish to have this coverage apply to ATM and everyday debit card transactions, you may opt-in to this part of the service by notifying us either in person, in writing, or over the phone. If you have not opted in for this coverage, ATM and debit card transactions may be declined when there are insufficient funds. 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 or not 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.