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Extraco Banks
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Overdraft Privilege

When it comes to managing your money, it’s important 
you have options in the event you overdraw your account.





What is covered under the standard Overdraft Privilege service?

  1. Writing a check
  2. Debit Card recurring payment
  3. ACH-Auto Debit
  4. Online Banking
  5. Bill Pay
 

Upon request, either by phone 866.398.7226 or in-store, Extraco will add the Overdraft Privilege service to:

  1. Debit Card every day usage
  2. ATM withdrawals


The cost of Overdraft Privilege

If you use the service, you will be charged our overdraft fee of $35 for each overdrawn item created by traditional paper-based check, an automatic payment (ACH) transaction, or a recurring debit card payment. Also, if you have requested us to do so, we may authorize and cover ATM transfers or withdrawals and everyday debit card purchases. Your available balance may be affected by authorizations which could create additional overdrafts and associated fees. For example, three paid items in one day will result in $105 in Overdraft Privilege fees and up to $140 per day.
 
The best way to avoid overdrafts and fees is to keep track of your account balance by entering all checks, debit card purchases and ATM withdrawals in your check register, reconcile your check book regularly and manage your finances responsibly. However, if a mistake occurs, Extraco offers additional ways to cover overdrafts in addition to Overdraft Privilege. This includes an Overdraft Protection Sweep from a Money Market savings account or other deposit accounts.