OVERDRAFT

OVERDRAFT PROTECTION

Upon request, our automated transfer service allows for the seamless transfer of funds from your savings account to your checking account in the event of insufficient funds. Transfers are initiated in increments of $50 and are subject to a transfer fee. Please note that fees apply for each transfer made. This service ensures that your accounts are always in good standing, providing you with peace of mind and financial stability.

OVERDRAFT PRIVILEGE

We know that mistakes happen, and unexpected expenses can come up anytime. That’s why we offer Overdraft Privilege to our eligible checking account customers. Upon request, with Overdraft Privilege, we may consider paying your reasonable overdrafts, up to a $300 overdraft balance for regular checking accounts, or up to a $500 overdraft balance for checking accounts with GenGold. By using Overdraft Privilege, you can avoid high fees from merchants for returned checks and gain flexibility in managing your funds.

Please note that not all accounts are eligible, and some restrictions apply. As outlined in our Fee Schedule, we will charge our normal non-sufficient funds or overdraft fee for each item that creates an overdraft on your account.

If you use Overdraft Privilege, you must bring your account current within 30 days to avoid the suspension of the service. It’s important to monitor your account balance and keep track of any overdrafts to ensure that you bring your account up to date promptly.