Overdraft Protection

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. The account must be in good standing, and payment of items is discretionary.
$33.00 Overdraft Fee per Item.

The Overdraft Privilege limit for all eligible checking accounts is variable based on your checking account type. Both the amount of the overdraft items and all applicable fees, including but not limited to our $33 overdraft fee, are included in this limit. There is no limit to the number of fees charged to your account in one day.

No, the amount of your Overdraft Privilege Limit is based on your checking account type. Please call 614-221-9376 and speak with a Relationship Officer if you would like to apply for a different Checking account.

You will be charged our standard $33 overdraft fee for each item that we pay, the same fee that we charge if we return the item unpaid due to non-sufficient funds (NSF) in your account.

No application is required for Overdraft Privilege. All qualifying current members have Overdraft Privilege and new accounts that qualify are granted Overdraft Privilege. However, to obtain Overdraft Privilege Extended Coverage which includes your ATM withdrawals and everyday debit card transactions – your consent is required.

If eligible, Overdraft Privilege will be available on your checking account at account opening.

Please contact any member service representative and we will provide you with another copy of the Account Disclosure.

Overdraft Privilege is available for all checks that you write, ACH items that are presented, recurring debit card payments, online bill payment items, internet banking transfers, telephone banking, and teller window transactions. However, due to federal regulations, we offer Overdraft Privilege for ATM withdrawals and everyday debit card transactions only if you ask us to, this does require your consent.

Items presented may be returned if you have exceeded your Overdraft Privilege limit, if you are delinquent on a loan or other obligation to us or if you are in a repayment plan. Also, whether overdrafts will be paid is discretionary and we reserve the right not to pay.

We do not make deposits to cover overdrafts paid by Overdraft Privilege. We cover the transaction if the combination of your Overdraft Protection options, and Overdraft Privilege limit and existing checking balance is sufficient but your account will remain overdrawn until you make a deposit to bring it back to a positive balance. Additional fees may be charged if items presented are either paid or returned after your initial overdraft if your account remains overdrawn.

We offer transfers (for no charge) from other accounts that you have with us.

Once your account is overdrawn you must bring it back to a positive balance for at least one full day within a 32 day period by making a deposit(s) to your account.

We do not charge any interest on account overdrafts that are paid by the Overdraft Privilege. We do charge our normal $33 overdraft fee for each item presented, whether it is paid or returned, if your account is overdrawn.

We generally post items (but not necessarily) in the following order: 1) ACH Debits in Trancode order with deposits first; 2) Inclearing drafts low to high; however, exceptions will occur. Holds on funds and the order in which transactions are posted may impact the total amount of Overdraft Fees or Return Item Fees assessed: 3) Cash withdrawals through a branch; Over-the-counter items; Cash withdrawals through ATM; POS transactions; Everyday debit card transactions; recurring debit card transactions –all real time 4) Force-paid items from prior day processing.

If you do not want your account to be eligible for this service and would prefer us to automatically return any items presented which may overdraw your account, please contact any member service representative. Please note that when we return your items you may be subject to additional fees charged by merchants or by us if the same items are presented again for payment at a later time.

Please contact any member service representative or simply visit one of our offices for additional information about this service.