Your personal checking account can be linked to your personal savings account or to another of your personal checking accounts to serve as overdraft protection. Only one personal checking or savings account may be linked to your checking account to provide coverage.
During nightly batch processing day when all transactions have posted to your checking account, if the available balance in the checking account isn’t sufficient to cover all of the transactions presented for payment, a transfer is automatically made from your linked overdraft protection checking or savings account to your checking account to cover the NSF items.
Transfers are made in the exact amount needed to cover the NSF items.
If the linked savings or checking account does not have sufficient funds to cover all the NSF items, we will transfer the amount needed to fully cover as many of the items as possible based on the posting order of each item. Any item(s) in your checking account that cannot be fully covered under this Overdraft Protection Plan may result in an overdraft, if paid, or may be returned for Non-Sufficient Funds.
A minimum opening deposit may be required to open a personal savings or checking account; other criteria may apply. Call or visit your local financial center for details.
Call us or visit with us to learn more or to sign up for one of our Overdraft Protection Plans.
Or call 1-800-448-8812
1 For personal accounts, under our Standard Overdraft Services:
We will charge you a fee of up to $36.00 each time we pay an overdraft.
We will assess no more than 5 overdraft fees per account per day (Daily Limit).
No overdraft fee will be imposed if, after nightly batch processing, your available balance is overdrawn $10.00 or less. However, if after nightly batch processing, your available balance is overdrawn by more than $10.00, you will be charged an overdraft fee for each overdraft for that day subject to the Daily Limit.
No overdraft fee will be imposed on any overdraft item of $5.00 or less.
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