Overdraft Program Plans
Allowed Overdraft Protection
A depositor may apply for Allowed Overdraft Protection. This service provides an overdraft limit determined by the bank based on the depositorís credit history and performance of existing checking accounts. ATM and every day debit card transactions will not be covered under this plan unless authorized by the depositor. Click here for more details and a form . There is a $32.00 overdraft fee for each item that overdraws the account. The account holder agrees to bring the account to a positive balance within 14 days after the Bank paid the first overdraft item.
Overdraft ATS Plan
To cover overdrafts, a depositor may authorize the bank to make automatic transfers from a savings account to a checking account. A fee of $10.00 per transfer is assessed.