An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.
Your account comes with our Auto Decline overdraft service. We generally do not authorize and pay overdrafts for any transactions.
We can cover your overdrafts in two different ways:
This notice explains our No-Fee Overdraft service.
If you enroll in No-Fee Overdraft we do authorize and pay overdrafts for the following types of transactions:
You can also ask us to authorize and pay overdrafts for the following types of transactions:
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined or returned unpaid.
No fees will be charged if we choose to pay a transaction into overdraft.
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, sign in to online banking to update your Overdraft Settings.