Overdraft Services



What you need to know about our personal overdraft services.


Thanks to checks, debit cards, ATMs and mobile phones, accessing your money has never been more convenient.  As a result, it's also never been easier to lose track of your daily account balance.   If your balance drops below zero while taking care of life's necessities, you may experience an overdraft.

We know life can be busy and occasionally anyone can lose sight of how much money is in their checking account.
  That’s why we offer options to better protect your finances and give you peace of mind.



Small Business overdraft options are also available.  Talk to a banker for more details.

We're committed to partnering with you and we're here to talk you through your options.

Call us or visit with us today.

Find a bank near you.

Or call 1-800-448-8812


²Under our standard overdraft practices:

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). Please note that the Sustained Overdraft Fee discussed below does not count as an overdraft fee subject to the Daily Limit. NSF fees are subject to this same Daily Limit so that you will not be assessed more than 5 overdraft and NSF fees (individually or in combination) per account per day.

No overdraft fee will be imposed if, after the end of day processing, your available balance is overdrawn $5.00 or less. However, if after the end of day processing, your available balance is overdrawn by more than $5.00, 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.

³For each time that your account remains overdrawn for at least nine (9) consecutive calendar days, you agree to pay one Sustained Overdraft Fee of $36.00. Please note that we count as the first of the nine consecutive calendar days, the day on which we post the items which create the overdraft in your account, regardless of whether we have provided you with notice of the overdraft(s). This fee is separate from and may be charged in addition to the Daily Limit of 5 overdraft and/or non-sufficient funds (NSF) fees.  We will not charge this fee if you pay us the total amount of the overdrawn balance on the ninth (9th) calendar day or the next banking day, if the 9th calendar day falls on a weekend or federal holiday that is not a banking day.  We will also not charge this fee if:

  • Your account is overdrawn by $5.00 or less on the day on which we would otherwise charge it, or
  • You have not opted-in to the payment of ATM and everyday debit card (point of sale) transactions and the amount overdrawn only includes amounts from ATM and point of sale transactions presented and paid against insufficient funds, or
  • The amount overdrawn only includes bank fees and/or service charges.