• We have standard overdraft practices that automatically come with your account.
• You can request extended overdraft coverage, which includes ATM and debit card transactions.
• We also offer overdraft protection plans, which may be less expensive than our standard overdraft practices. For instance, you can arrange for automatic transfers in $100 increments from another deposit account to cover overdraft transactions. We charge a $5 fee for each transfer. To learn more, call (800) 397-3790 or visit a branch location.

The default standard is that we will authorize and pay overdrafts for the following types of transactions:

• Checks and other transactions made using your checking account number (including ACH transactions)
• Automatic bill payments (including recurring monthly payments)

We will not pay overdrafts for the following transactions unless you ask us to:

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion; we do not guarantee we will always authorize and pay any type of transaction. For example, we typically do not pay overdrafts if:

• Your account is not in good standing
• You are not making regular deposits
• You have too many overdrafts

If we do not authorize and pay an overdraft, your transaction will be declined.