Overdraft Deposit Transfer will automatically transfer funds to your checking account from another account you have here at Citizens National Bank. There is a $5 fee per transfer which could save you money compared to the cost of the Standard and Additional Overdraft Coverage fees. If this is an option you would like to explore, please contact a bank representative at (318) 741-3500, email firstname.lastname@example.org, or come by any branch location and we will be happy to help you.
Overdraft Coverage is a discretionary overdraft service, requiring no action on your part, which provides you a safety net up to an automatically assigned overdraft limit. Your Overdraft Coverage limit may be available for checks and other transactions made using your checking account number or automatic bill payment and recurring debit card payment. Also, at your request, we may authorize and pay ATM transfers or withdrawals and everyday debit card purchases using your limit. See chart below for cost.
|Overdraft Deposit Transfer to Another Deposit Account you have at Citizens National Bank||
|Transactions Covered with Overdraft Coverage||Standard Overdraft Coverage (No action required)||Additional Overdraft Coverage (Your consent required)*|
|ACH – Automatic Debits||X||X|
|Recurring Debit Card Payments||X||X|
|Online Bill Pay Items||X||X|
|Internet Banking Transfers||X||X|
|Teller Window Transactions||X||X|
|Everyday Debit Card Transactions||X*|
If you would like to equip your account with Additional Overdraft Coverage, please contact us in one of the following ways:
*If you choose Additional Overdraft Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Overdraft Coverage. If you already have Additional Overdraft Coverage, it is not necessary to request it again. Business accounts automatically have Additional Overdraft Coverage. You can discontinue Overdraft Coverage in its entirety any time by contacting us using any of the methods above.