Routing #: 28158144
We understand that managing your finances can sometimes feel like walking a tightrope. That's why we offer Standard Overdraft Services to help keep you covered when unexpected expenses arise. But let's dive into the specifics of how it works:
What is an Overdraft?
An overdraft happens when you make a transaction that exceeds the available balance in your account. Don't worry, though — we've got your back.
1. Line of Credit
Think of this as a safety net attached to your account. When you dip below zero, funds are transferred from your credit line to cover the difference. You'll only pay finance charges on the borrowed amount, plus any transfer fees.
2. Courtesy Pay
Life doesn't always go as planned, and sometimes you need a little extra help. That's where Courtesy Pay comes in. For a nominal fee per transaction, we'll cover checks, ACH, ATM, and other electronic transfers when you're short on funds. The program extends up to $500.00 for non-sufficient funds. Plus, if certain criteria are met, we'll automatically enroll you in this service.
3. Standard Overdraft Service
Consider this your account's built-in safety net. Available funds are transferred from your share savings or other deposit accounts to cover overdrafts. No need to enroll — it's automatic.
Ready to Get Started?
If you're ready to take advantage of our Standard Overdraft Services or have any questions, feel free to reach out to us. Your financial peace of mind is our top priority.
• Account must receive direct deposit
• Account must be in good standing
• Primary share draft owner must be 18 years of age or older
• Availability of courtesy pay will be extended upon determination of credit score
A charge of $30 per occurrence, plus the amount of the overdraft item, will be subtracted from any overdraft limit disclosed. In addition, there will be a charge for each item paid up to a maximum of four items, regardless of the number of overdraft items presented each day.
We do authorize and pay overdrafts for the following types of transactions:
• Checks and other transactions made using your checking account
• Transactions made using your checking account number
• Automatic bill payments through ACH
• ATM transactions
• Everyday debit card transactions
Your transactions will be declined.
No, there is no limit on the total fees we can charge you for overdrawing your account under our standard overdraft service.
No, we do not guarantee automatic authorization and payment for any transaction regarding overdrafts as we pay overdrafts at our discretion.
Your transactions will be declined if we do not authorize and pay an overdraft.
There is no limit on the total fees we can charge you for overdrawing your account under our standard overdraft service.
We pay overdrafts at our discretion, so we do not guarantee that we will automatically authorize and pay for any transaction.
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