With our Standard Overdraft Practices, #BANK_NAME# may, at our discretion, authorize and pay overdrafts for the following types of transactions when you do not have adequate funds available in your account.
We may not authorize and pay overdrafts for the following types of transactions unless you authorize us to do so by "opting in":
These practices are separate from our Overdraft Line of Credit or Savings Overdraft Protection plan or other products that you may add to your account. There are no changes to those plans.
You can make or change the Standard Overdraft Practices preference on your account at any time and the decision is effective immediately once recorded.
If you wish to include your ATM and everyday debit card transactions in the Standard Overdraft Practices on your account you should consider opting in. If you prefer that the bank does not pay ATM and everyday debit card overdrafts, there is no action you need to take. If you use your debit card for everyday purchases (for example, buying groceries) or ATM transactions, but do not have sufficient funds in your account, your transaction will be declined. If you have more questions please talk with a banker or refer to our frequently asked questions about Standard Overdraft Practices. If you have questions, are ready to make your Standard Overdraft Practices decision or wish to add an overdraft protection plan to your account, contact us today by logging in to online banking, calling #OVERDRAFT_OPT_IN_PHONE# to talk to a banker or visit your local branch today.
Talk to a banker about one of #BANK_NAME#’s overdraft protection plans. Whenever you have an item drawn for more than your checking balance, these plans work by automatically transferring funds to cover overdrafts on your account: