OVERDRAFT SERVICES FAQs

What is an overdraft?

A transaction that takes your account into a negative balance, but is paid by the Bank, at the Bank’s discretion, is called an overdraft transaction.

What does non-sufficient funds, insufficient funds or NSF mean?

A transaction that takes your account into a negative balance can lead to a charge called “non-sufficient funds fee”, or “NSF.” If you are in our Overdraft Privilege Program, this fee is known as an overdraft fee. If the Bank returns the item presented due to non-sufficient funds, such as a check to the payee unpaid, it is referred to as a NSF or “returned item”.

What types of transactions can cause my account to become overdrawn?

• The payment of checks, electronic funds transfers or other withdrawal requests
• Payments authorized by you
• The return of unpaid items deposited by you
• Bank service charges
• A hold on funds that you deposit with the Bank which, according to the Bank's Funds Availability Policy, are treated as not yet available or finally paid

What can I do to avoid overdraft or non-sufficient fund situations?

The best way to avoid overdraft or non-sufficient fund situations is to regularly monitor your account activity and balance your account frequently. Our online and mobile banking options can help you stay on top of your account balances. We offer additional services to cover your overdraft transactions with Dynamic Transfer and Ready Reserve*. For more information, visit your local banking center or contact us at (877)322-9530.

Does the Bank charge a fee for overdraft or non-sufficient funds transactions?

You will be assessed a $37.00 fee for each transaction that the Bank pays into overdraft on your behalf, or for each transaction that the Bank returns as unpaid.

Are there any other overdraft fees?

Your account will be assessed an $8.00 continuous overdraft fee beginning on the 5th business day and each business day thereafter for as long as your account is overdrawn by more than $5.00.

Is there a limit to the number of fees that I may be charged?

The Bank may assess up to seven (7) overdraft and non-sufficient funds fees per day.

Does the Bank allow me to spend more money than I have in my account?

As a courtesy, the Bank may, at its discretion, pay transactions on your behalf even when you don’t currently have enough money in your account to cover them. You may elect to opt-out of our courtesy overdraft program at any time.

How does the Bank determine whether it will allow my account to be overdrawn?

The Bank has an automated system to determine whether transactions are paid or not. In making these decisions, we consider factors that include, but are not limited to, the length of your relationship with the Bank, the frequency of your deposits and your overdraft history. Since these factors can change over time, the Bank may decide to pay or not to pay transactions differently than it has in the past. You should not rely on the Bank to pay an overdraft just because we have in the past.

What if I don’t want the Bank to pay for these transactions?

You may elect to opt-out of our courtesy overdraft program at any time. Please visit your local Banking center or contact us at (877) 322-9530.

In what order does the Bank process my transactions?

The Bank will typically process transactions in the following order, which may not be the order in which you initiated the transactions. Please refer to your Account Terms and Conditions for more details.
• Wire transfers
• ACH transactions
• ATM transactions
• Debit card transactions
• Point of sale transactions
• Electronic fund transfers
• Checks paid at a teller window payment
• Checks paid to a First Financial Bank loan
• All other checks in serial number order

How much time do I have to make a deposit to cover an overdraft?

Overdrawn balances are due on demand, so it is important to keep your account in good standing by making a deposit to cover an overdraft as quickly as possible.

What types of transactions may be paid into overdraft by the Bank?

The Bank, at its discretion, may pay checks, automatic bill payments or recurring debit card transactions even when there are not sufficient funds in your account to cover them. Unless you have elected to opt-in to our Regulation E overdraft coverage, this will not cover ATM and everyday debit card transactions.

Does the Bank pay ATM and “everyday” debit card transactions if I don’t have enough money in my account?

Unless you have specifically requested for the Bank to cover ATM and everyday debit card transactions, we will not authorize and pay those transactions unless there are sufficient funds in your account to cover them. No fees will be assessed on these transactions. Contact your local Banking center to opt-in to this service.

Does the Bank offer any other products or services to help me avoid overdraft fees?

The Bank offers Dynamic Transfer which is a service that transfers money from your savings account to cover overdrafts in your checking account. The Bank also offers a Ready Reserve* personal line of credit* that can be used to cover overdrafts. Fees apply to both Dynamic Transfer and Ready Reserve, but they are typically less than an overdraft fee. Your local Banking center can help you set up Dynamic Transfer, apply for Ready Reserve and answer any other questions that you may have.

How can I find out more information?

Please refer to the Terms & Conditions of your account agreement for more information. If you have additional questions, please visit your local Banking center or contact us at (877) 322-9530.

Overdraft Services

Overdraft Privilege

Overdraft Privilege (ODP) is a discretionary courtesy extended to clients in good standing to cover an unexpected overdraft for ACH and check transactions with the option to opt-in for additional protection to cover ATM and debit card transactions.

Ready Reserve

Ready Reserve is a line of credit.* If you overdraw your account, funds are transferred to your checking account to cover any check, ATM or debit transaction. You will be notified, and have the opportunity to pay back your ready reserve account at any time.

Dynamic Transfer

If your account becomes overdrawn, available funds from another savings or checking account are transferred to your checking account to cover the overdraft amount.

Please note: checks and debits presented for payment in excess of available balances of Ready Reserve, Dynamic Transfer accounts or the Overdraft Privilege limit will be returned. *Ready Reserve is subject to eligibility requirements and credit approval.

Jackie Stuck

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