We are constantly evaluating new services and better ways to serve our customers. We know of the embarrassment associated with the occasional or inadvertent overdraft, not to mention the fees charged by some merchants when your check is returned. We are trying to do all we can to help. We have added convenient Overdraft Privilege to eligible personal checking accounts.

This discretionary overdraft service requires no action on your part. You do not have to sign any additional documents and it costs you nothing unless you use the service—by initiating checks, electronic withdrawals, funds transfer, or other payments or withdrawal requests for more than the amount of collected (available) funds that you have on deposit in your account.

Of course we can’t promise to pay every overdraft, but if you maintain your eligible account in good standing, rather than automatically returning unpaid any overdraft item, that you may have, we will consider payment of your reasonable overdraft fee item, without obligation to pay.
We will charge your account our normal overdraft fee charge for each item permissible by law.

This is not a lending product or a line of credit and the privilege can be withdrawn.

To find out more about our Overdraft Plan, please do not hesitate to call a customer service representative.