Overdraft Privilege (ODP) is an added "safety net" that steps in to protect you from the embarrassment and ever increasing costs associated with overdrafts. ODP is available on personal checking accounts in good standing that have been opened at least 30 days. In the event that you inadvertently make a balancing error and the available overdraft transfers have been exhausted, rather than automatically returning items "unpaid", payment of reasonable overdrafts will be considered. A "courtesy pay" fee will apply to each item which overdraws the account and overdrafts not cleared within a reasonable timeframe may result in the closure of the account. Therefore, ODP should not be considered a line-of-credit under any circumstances.

Note: ODP is a purely discretionary service and we are not obligated to pay any overdraft. Not all accounts are eligible and restrictions apply. Refer to our ODP policy and our fee schedule for current fees and charges