Overdraft Services

Overdraft Services Form

Explanation of Overdraft Clearing Coverage:

We will not pay your overdrafts for everyday debit card purchases you make at a store, online, or by telephone, unless you tell us you want overdraft clearing coverage for these transactions. Even if you do not request overdraft clearing coverage for everyday debit card purchases, we may still pay overdrafts caused by checks and/or ACH/electronic items based on available balance.  We do not authorize and pay overdrafts for ATM transactions.

Having overdraft clearing coverage does not guarantee that we will pay your overdrafts. If we do not authorize and pay an overdraft, your transaction will be declined, and you may be charged a return item fee of $10.00.  If we decide to pay an overdraft, you will be charged fees as described below.

Overdraft clearing coverage differs from other overdraft services we offer. See below for more information, including how to contact us if you want overdraft clearing coverage to apply to your everyday debit card purchases. 

Overdraft Fees

We will charge you a fee, as listed below, each time we pay an overdraft. No more than four (4) overdraft clearing fees are charged per account, per day.


Overdraft Advance Amount
Fee Amount
$10.00 and under
No Fee
$10.01 to $25.00
$25.01 to $50.00
$50.01 and over

Other Ways We Can Cover Your Overdrafts

We offer Overdraft Transfer from Savings to cover your overdrafts as a FREE service with your consent.

How to request overdraft clearing coverage

To request Overdraft Clearing coverage for your everyday debit card purchases or for information on Overdraft Transfer from Savings, please click here orcontact us.