Overdraft Privilege

Overdraft Privilege

Overdraft Privilege

Have You Ever...

	Made a mistake in your checkbook?
	Forgotten to record a deposit? A purchase? A withdrawal? A check order?
	Had to “guess” at what transactions a joint owner has made?
	Had a transaction denied or turned down at checkout?
	Had the embarrassment and expense of a returned check?

We can’t promise nor guarantee these things will never happen.
We can consider Overdraft Privilege.

YOU DESERVE CONSIDERATION...

Rather than automatically returning ‘unpaid’ all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned Overdraft Privilege Limit.

You do not have to apply for this service and you do not need to sign any additional documents for the service. It is already a part of your Checking Deposit Account Agreement with us. With some exceptions*, most of our checking account types, and individual accounts, are eligible for this service.

If you do NOT use the Overdraft Privilege Service it costs you NOTHING. “Use” means you initiate insufficient funds transactions. If you do use the Overdraft Privilege Service you WILL be charged our customary fees, which are set out in the brochure.

Overdraft Privilege Can Mean...

	You may avoid high charges from merchants for returned checks
	You may avoid the embarrassment and inconvenience of denied purchases and dishonored checks
	Payment of your occasional and inadvertent overdrafts up to your assigned Overdraft Privilege Limit of $800 will normally be considered. These limits include our customary fees set out below. Our fees will be added to any outstanding overdrafts you may have and will be applied against your Overdraft Privilege Limit.