It is the policy of our Bank to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards. This policy is intended to cover your occasional inadvertent consumer overdrafts, and is not a line of credit program.
An insufficient balance may result from: A) The payment of checks, electronic funds transfers, or other withdrawal requests; B) Payments authorized by you; C) The return, unpaid, of items deposited by you; D) The imposition of bank service charges; or E) The deposit of items which according to the Bank's Funds Availability Policy, are treated as not yet "available" or finally paid.
We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. However, if you maintain your account in good standing, defined as: A) Making regular deposits; B) Bringing the account to a positive balance every 30 days or less; and C) There are no legal orders outstanding, we will approve your reasonable overdrafts as a non-contractual courtesy. Generally, we will not approve an overdraft for you in excess of $300.00 for Secure Checking Accounts open more than thirty (30) days, or $500.00 for other Personal Checking accounts open more than thirty (30) days. These limits include our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s). Please note that any overdraft will count against your overdraft limit ($300.00 or $500.00) as stated above.
We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have, however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).
LIMITATIONS: Available to consumer accounts (excluding Money Market accounts) for personal and household use and Commercial accounts including Doing Business As accounts, and we may limit the number of accounts eligible for Automatic Overdraft Privilege to one account per household or Business. Additionally, we reserve the right to not approve any overdrafts against your account until we can verify that your account is being maintained in good standing as defined above.
ACCOUNT FEES: Whether we pay or return a Non-Sufficient Funds Item, a flat per-item handling fee will be charged to your account as a Non-Sufficient Funds or Overdraft (NSF/OD) Charge, as set forth in our common fees schedule. Daily NSF/OD charges will not exceed $150.00.
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