Overdraft Privilege

TERMS AND MONTHLY FEES

• No monthly service charge
• Each item paid into overdraft will be charged a $27.50 Overdraft Item Charge
• Overdrafts may be created by check, in-person withdrawals, and withdrawals made at ATMs or other electronic means.
• ODP may save you embarrassment and inconvenience should you inadvertently overdraw your account
• ODP limits are discretionary and determined by the bank
• Negative account balances must be cleared on your account at least once in each 30 day period
• Bank will normally pay overdrafts within the overdraft privilege limits, however, payment is a discretionary courtesy, not a right or obligation and may cease at any time without prior notice or cause
• Generally, bank will not pay items into overdraft if:
  • the resulting overdraft would exceed your established limit
  • your account has been overdrawn 30 days or more
  • you are in default on a loan or other obligations to the bank
  • you are subject to any legal or administrative order or levy

Please refer to the Discretionary Overdraft Privilege Program section in the Depository Agreement for further terms and conditions