An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway based on standard overdraft practices that come with your account.
We do authorize and pay overdrafts for the following types of transactions:
We will not authorize and pay overdrafts for the following types of transactions unless you ask us to:
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. We do not authorize and pay overdrafts for ATM transactions.
If we do not authorize and pay an overdraft, your transaction will be declined and you may be charged a return item fee.
If you want us to authorize and pay overdrafts for everyday debit card transactions, complete the form below, or call (916) 444-6070. You may visit any of our branch locations and a Member Service Representative will help you.
To change the previous election, please complete the form below.
Our Member Service Representatives are available during business hours if you prefer to opt in by phone. Please call (916) 444 6070 or toll free (888) 722 8601.
Sometimes it's easier to talk about things in person. Please visit any of our locations.