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What You Need to Know about Overdrafts and Overdraft Fees
An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdrafts in three different ways:

  1. We have standard overdraft practices that come with your account. We also offer two additional options that may be less expensive than our standard overdraft practices.
  2. A link to a savings account with us
  3. An overdraft line of credit (subject to credit approval)

To learn more, please ask us about these plans. This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts on the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • ATM Transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your debit card transaction will be declined.

What fees will I be charged if First State Community Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $31 each time we pay an overdraft.
  • For consumers, the maximum number of chargeable overdrafts per day is six.

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