Personal Checking

Personal Checking

What will happen to my transaction if I don't have enough money?

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.

Everday 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 Service
Extra Cash Overdraft Service
Checking account balance
$50
$50
$50
$50
$50
Linked account balance
N/A
N/A
N/A
N/A
N/A
Extra Cash available credit
N/A
N/A
N/A
N/A
N/A
$75 Debit Card purchase
Declined
Declined
Approved at the Bank's discretion
Approved
Approved
Fee
$0
$0
$35
$12
$12

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 Service
Extra Cash Overdraft Service
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
$12

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 Service
Extra Cash Overdraft Service
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
$12

* Additional merchant fees may apply.

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