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Our overdraft consideration allows us to consider authorizing and paying your checks, ACH, automatic bill payments, ATM and debit card transactions into overdraft when presented against an insufficient available balance. We offer two types of overdraft consideration that allows us to consider authorizing and paying your checks, ACH, automatic bill payments, ATM and debit card transactions into overdraft when presented against an insufficient available balance.
We may, at our discretion, pay NSF items into overdraft and assess an overdraft fee on each item. If we decide not to pay an NSF item into overdraft, they will be returned unpaid for non-sufficient funds.
This service automatically comes with your checking account.
We will not authorize and pay these items into overdraft unless you ask us to, which we refer to as opting-in to this service.
If you opt-in and we authorize and pay these items into overdraft, we may assess an overdraft fee on each overdraft item. Even if you do not opt-in, we may pay these NSF items into overdraft if sufficient funds were available at the time of authorization, but not available at the time of settlement; however, we will not charge you an overdraft fee.
You may change this election any time by visiting us online, in our mobile app, by calling 1-800-448-8812 or visiting your local financial center. It may take up to 72-hours to process your request.
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Even if we pay your account into overdraft, we maintain the right not to do so at any other time. If we do not authorize your transaction, it will generally be declined and may not be paid into overdraft. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible.
Our Overdraft Consideration works with our Overdraft Protection Plans, such overdraft coverage from another savings or checking account, from a HandyLine account or from another line of credit by allowing us to consider authorizing and paying NSF items into overdraft when the transactions cannot be fully covered by the overdraft protection plan.
1The Home Equity Line of Credit is not available as overdraft protection in Texas.
2Under our Standard Overdraft Services:
We may charge you a fee of $36.00 each time we pay an NSF item into overdraft.
We will assess no more than 5 overdraft fees per account per day (Daily Limit).
No overdraft fee will be imposed if, after nighty 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 may be charged an overdraft fee for each NSF item for that day subject to the Daily Limit.
No overdraft fee will be imposed on any NSF item paid into overdraft of $5.00 or less.