What You Need to Know About Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in two different ways:
We do authorize and pay overdrafts for the following types of transactions:
We will not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):
We do not guarantee that we will always authorize and pay any type of transaction. We pay overdrafts at our discretion. If we do not authorize and pay an overdraft, your transaction will be declined.
Under our standard overdraft practices:
When you have Debit Card Coverage on your account, your everyday debit card transactions including PIN point of sale will be approved, at our discretion, when you don't have sufficient funds available to cover your purchase.
To learn more and activate Debit Card Coverage, contact us or stop by the bank and ask us about Debit Card Coverage.
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