Overdraft Policy
Deposits/Credits received before 2:00 will post before withdrawals/debits. Debits will post in the following order: Debit card transactions, ACH transactions, in person withdrawals, and checks (lowest to highest amount).
Overdraft Fee (per item)……….$20.00
Overdrafts are created by checks, withdrawals, recurring debit card transactions, and other electronic means. Overdrafts occur if more money is taken out of your account than is available. Payment of overdrafts are at our discretion and are never guaranteed. Insufficient funds could lead to returned items.
Check Return Fee (per item)……….$20.00
We will charge each time an item is returned for insufficient funds.
Continuous Overdraft Fee……….$10.00
If your account remains overdrawn by any amount for 7 or more consecutive calendar days, we will charge a continuous overdraft fee beginning that seventh day and will stop when your account balance is positive or closed. (You will not get an overdraft fee and a continuous overdraft fee on the same day.)
