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.
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.