Personal Checking
What will happen to my transaction if I don't have enough money?
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The Overdraft Service option you choose, along with any Linked Overdraft Protection or Extra Cash Overdraft Protection line of credit you may also have, will determine whether a transaction may be approved and paid, and what fees may be charged, should the transaction be presented against insufficient available funds in your account.
Everyday Debit Card Purchase
You attempt a $75 purchase using your debit card with an available balance of $50 in your checking account.
No Overdraft Service | Standard Overdraft Service | Expanded Overdraft Service | Linked Overdraft Protection | Extra Cash Overdraft Protection | |
Checking account balance | $50 | $50 | $50 | $50 | $50 |
Linked account balance | N/A | N/A | N/A | $100 | N/A |
Extra Cash available credit | N/A | N/A | N/A | N/A | $100 |
$75 Debit Card purchase | Declined | Declined | Approved at the Bank's discretion | Approved | Approved |
Fee | $0 | $0 | $35 | $12 | $0 |
Check
A $75 check you have written is presented to us for payment while you have an available balance of $50 in your checking account.
No Overdraft Service | Standard Overdraft Service | Expanded Overdraft Service | Linked Overdraft Protection | Extra Cash Overdraft Protection | |
Checking account balance | $50 | $50 | $50 | $50 | $50 |
Linked account balance | N/A | N/A | N/A | $100 | N/A |
Extra Cash available credit | N/A | N/A | N/A | N/A | $100 |
$75 Check | Returned | Paid at the Bank's discretion | Paid at the Bank's discretion | Paid | Paid |
Fee | $35* | $35 | $35 | $12 | $0 |
Electronic Payment
A $75 recurring electronic payment for a gym membership, using your account and routing number, is presented to us for payment. There is an available balance of $50 in your checking account.
No Overdraft Service | Standard Overdraft Service | Expanded Overdraft Service | Linked Overdraft Protection | Extra Cash Overdraft Protection | |
Checking account balance | $50 | $50 | $50 | $50 | $50 |
Linked account balance | N/A | N/A | N/A | $100 | N/A |
Extra Cash available credit | N/A | N/A | N/A | N/A | $100 |
$75 Electronic Payment | Declined | Paid at the Bank's discretion | Paid at the Bank's discretion | Paid | Paid |
Fee | $35* | $35 | $35 | $12 | $0 |
* Additional merchant fees may apply.