Overdraft Privilege

Have You Ever...

  • Made a mistake in your check book?
  • 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 cannot promise nor guarantee these things will never happen.

We can consider Overdraft Privilege.


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.

If you have questions concerning the Overdraft Privilege Service please contact a Service Representative at (618) 224-9228.

* See Ineligible Accounts; Eligible Account Types; and Eligible Transaction Types set out in the brochure.

We offer other protection plans too. Overdrafting protection link to another account at our bank. Ask for details.