At anytime unforseen events can leave you in a situation where you need unexpected funding. Whether you forgot to transfer money into your checking account, to make a deposit, or there is a billing error caused your account to be over charged - we've got you covered.
We offer Overdraft Protection options to keep your account from being overdrawn when you don’t have sufficent funds to cover a transaction. Money from designated overdraft accounts can be used to cover the overdrawn transaction and keep your accounts protected.
Covered Transactions include checks, debit card purchases, ATM withdrawals, electronic funds transfers, and ACH debits.
Use your money first with no fee.
Designated overdraft accounts include savings accounts*, money fund accounts* and/or a personal line of credit**
*Subject to Reg D monthly transfer restrictions. See account disclosure for additional details.
**Subject to credit approval.
Premium Overdraft Service allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Premium Overdraft Service is still available as an additional coverage option if other overdraft protection options are exhausted.
A Premium Overdraft Service fee of $32.00 is assessed each time an overdraft item is paid.
There is no limit per day on the total fees you may be assessed for utilizing the Premium Overdraft Service.
The amount of each transaction is deducted from the available Premium Overdraft service limit. The fee is not deducted from the available Premium Overdraft service limit.
|Transactions Covered with Premium Overdraft Service||Standard Coverage (no action required)||Extended Coverage||Alert Me|
|Recurring Debit Card Payments||X||X|
|Online Bill Pay Items||X||X|
|Teller Window Transactions||X||X|
|Everyday Debit Card Transactions*||X*|
|*Your consent is required on consumer accounts|
If you choose Extended Coverage on your personal account, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Premium Overdraft Service coverage, it is not necessary to request it again.