Overdraft Protection Form

Choose Your Overdraft Service Preference for One-Time Debit Card Purchases and ATM Transactions

Use this form to choose if you wish to have overdraft services on your personal checking accounts for one-time debit card purchases and ATM transactions. Your choice to Opt In or Opt Out does not affect transactions using checks or recurring electronic payments.

Opt In  - If you choose to Opt In, one-time debit card and ATM transactions that exceed your account balance may be approved, and you will be charged an overdraft/paid item fee of $34 for each item paid. There is a daily overdraft limit of five (5) charges per day. Please Opt In below each checking account with a debit or ATM card so that your overdraft service will continue for these types of transactions.

An election to authorize and pay overdrafts on ATM and everyday debit card transactions will take effect upon approval and activation of Bounce Protection.  See your deposit agreement and Bounce Protection brochure for more information.

Opt Out - If you choose to Opt Out, then any ATM and one-time debit card transaction that would exceed your account balance would be declined and you will not be charged an overdraft/paid item fee.

If you change your mind about your overdraft service, you can reset your Opt in/Opt Out preference at any time.

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