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An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
1. We apply standard overdraft practices, at our discretion, under which we may allow your account to carry a temporary negative balance. If we cover an overdraft by applying our standard overdraft practices, we will charge a fee for each overdraft that drops your account balance below zero.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
You have three options:
We may authorize overdrafts, and charge a fee, for the following types of transactions:
We cannot authorize overdrafts and charge a fee for the following types of transactions (unless you ask us to by choosing OPT IN):
If you do not authorize us to pay an overdraft for everyday debit card and ATM transactions, your transaction will be declined at the time it is presented if the transaction exceeds your available balance.
Under our standard overdraft practices, we may authorize checks and transactions using your checking account number, and automatic bill payments:
If you want us to authorize overdrafts and charge a fee on ATM and everyday debit card transactions, you must do one of the following:
Yes! You can link your savings account with us to your checking account, which will automatically transfer money into your checking account from savings in the event of an overdraft.
Ask us about these additional options. (Linking your savings or other accounts for automatic transfers may require additional authorizations).
If you do nothing, we will decline debit card purchases and ATM transactions if they exceed the available balance in your account. You can change your mind, however, and OPT-IN at any time, which will allow us to charge a fee for authorizing overdraft transactions.