Overdraft Privilege (ODP)

Mistakes can happen. Are you covered?

Protect Yourself From Unnecessary Service Charges

Overdraft Privilege Can Mean . . .

  • You may avoid high charges from merchants for returned checks or automatic payments.
  • You may avoid the embarrassment and inconvenience of checks and automatic payments being dishonored.

Payment of your occasional and inadvertent overdrafts up to your assigned Overdraft Privilege Limit of $800 or $1,500 will normally be considered. These limits include our customary fees set out in our Fee Schedule. Our fees will be added to any outstanding overdrafts you may have and will be applied against your Overdraft Privilege Limit.

If you have questions concerning the Overdraft Privilege Service please contact a Customer Service Representative at your local branch.


Have You Ever...

  • Had the embarrassment and expense of a check or automatic payment returned NSF?
  • Had a check denied at checkout?
  • Forgotten to record a deposit? A purchase? A withdrawal?
  • Had to “guess” at what transactions a joint owner has made?

(We cannot promise or guarantee these things will never happen.)

You Deserve Consideration…

Rather than automatically returning unpaid all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned Overdraft Privilege Limit.

  • You do not have to apply for or sign any additional documents for this service for checks, ACH or recurring debit transactions. It is already a part of your Checking Account Agreement with us. With some exceptions, most of our checking account types, and individual accounts, are eligible for this service.  See “Accounts Eligible for Overdraft Privilege” in our Overdraft Privilege Service Policy.  If you want us to consider paying ATM and one time debit card transactions that would overdraw your account we need your affirmative consent to do so. 
  • If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call or visit one of our local branches
  • If you do not use Overdraft Privilege it costs you nothing. “Use” means you initiate insufficient funds transactions.
  • If you do use Overdraft Privilege you will be subject to our customary fees set out in our Fee Schedule and Overdraft Privilege Service Policy.


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Overdraft Privilege (ODP) is a discretionary service which a customer may opt-out of any time by notifying a Customer Service Representative. For each overdraft item, we will charge the standard per item NSF Item Fee set forth in our fee schedule (currently $31.00.) ODP applies to a variety of transactions, including checks and other transactions made using your checking account number, automatic bill payments, ATM transactions and everyday debit card transactions; however, on consumer accounts we will not include ATM and everyday debit card transactions within our ODP Program without first receiving your affirmative consent to do so. Furthermore on consumer accounts absent your affirmative consent, ATM and everyday debit card transactions generally will not be paid under ODP. The amounts of any overdrafts, including our fees, are due and payable immediately or on demand. We can refuse to pay any overdraft for any reason.


More Questions?

Our friendly team members are here to help answer any questions you may have.  Please reach out, we are here to help!

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