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Business Standard Overdraft Services

Our Standard Overdraft Services1 allow us to consider authorizing and paying your check, ACH, automatic bill payment, ATM and debit card transactions into overdraft.


Transaction Processing

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 be declined and will not be paid into overdraft. Once you have overdrawn your account, you must bring it to a positive balance as soon as possible to avoid additional fees.



  • This service allows us to automatically consider paying your checks, ACH and automatic bill payment items into overdraft so you may avoid the inconvenience and expense associated with the merchant’s returned check fee.
  • With your ATM and debit card transactions, this service allows us to consider authorizing and paying these items into overdraft so you can avoid the hassle and embarrassment of having the transaction declined at the point of sale.



  • Overdraft/NSF Fee: $36 per item
  • Sustained Overdraft Fee2: $36


Combine with Overdraft Protection Plans

Our Standard Overdraft Services work with our Overdraft Protection Plans, such overdraft coverage from another small business savings or checking account or from a Business Line of Credit, and serves as a backup by allowing us to consider authorizing and paying items into overdraft when the transaction cannot be fully covered by the overdraft protection coverage.

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1Under our Standard Overdraft Services:

We will charge you a fee of up to $36.00 each time we pay an overdraft.

2For 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 the amount overdrawn only includes bank fees and/or service charges.