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
Had the embarrassment and expense of a returned
We can�t promise nor guarantee these things will
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
in the brochure.
Overdraft Privilege Can Mean...
You may avoid high charges from merchants for
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.
If you have questions concerning the Overdraft
Privilege Service please contact a Service Representative at (618)
�Ineligible Accounts�; �Eligible Account Types�; and �Eligible
in the brochure.