• You are more than 30 days past due on any Bank loan or delinquent on any other obligation to the Bank.
• You are subject to any legal or administrative orders, levy, or are currently a party in a bankruptcy proceeding.
• You have an outstanding balance on an Overdraft Repayment Plan.
• An extended hold is being placed on your checking account or any other account relationship, in which case your Overdraft Privilege will be suspended without prior notice.
• You are a minor.
• A ChexSystems or any other negative indicator is present.
• You have an account that has been opened less than 30 days, or if you were overdrawn for more than 5 consecutive days during the first 30 days that your account was open.
• Your account is a fiduciary trust or escrow account.
• Your account is classified as dormant.

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Suspension/Removal of Privilege – You may be suspended or removed immediately from the Overdraft Privilege if:

• You do not bring your account to a positive balance within a 30 day period
• You fail to meet our eligibility criteria
• If you meet all the criteria listed above, we may still remove the privilege if we believe you are not managing your account in a responsible manner which may harm you or us.

Exclusion from Initial Offering - You may be excluded from the initial offering of the Overdraft Privilege if your account has been overdrawn for more than 15 consecutive days, unless sufficient grounds exist for us to believe that it is prudent to grant you the Overdraft Privilege. We will subsequently review accounts that were not eligible at the initial activation and grant them the privilege if they become eligible.

Transactions Covered by Overdraft Privilege - Overdraft Privilege will be available for all checks written, in-person withdrawals, and ATM withdrawals. Customers will be able to access Debit/POS and other electronic transactions as they become available.

Payment Order of Items - The order in which items are presented may affect the total fees incurred by a customer.
The first items that we pay are any checks cashed by our employees or that you have written to us. We then pay any items that were submitted electronically, such as ATM withdrawals, ACH items, any debit card transactions, preauthorized automatic transfers, telephone-initiated transfers and any other electronic transfers. Finally, we pay the remaining items based on smallest to largest.


Opt Out - You may never need to take advantage of the Overdraft Privilege option but you may find it useful in the event of a temporary shortfall. If you do not want to have Overdraft Privilege, simply contact us and we will provide you with an opt out form to remove this benefit from your account.

Additional Information - Your account agreement describes the duties, obligations, and rights of depositors, authorized signatories and the bank with regard to your deposit accounts. That account agreement is incorporated herein for all purposes as if it were set forth verbatim as to matters not directly addressed by this disclosure. Your account agreement and this disclosure shall be construed so as to minimize conflicts between them.
Waiver: The Bank’s forbearance from, or delay in, exercising any of the Bank’s rights, remedies, privileges, or right to insist on your strict performance of any provisions of your account agreement, this Overdraft Privilege disclosure, or any other provision related to your account, shall not be construed to be a current or future waiver of the Bank’s rights, remedies or privileges.

You and the Bank agree that the exclusive remedy and forum for all disputes arising out of the overdraft privilege or your or Bank’s performance there under, except for matters you or Bank take to small claims court, is arbitration by an independent arbitrator pursuant to the applicable rules of the American Arbitration Association, except as prohibited by law.

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