Overdraft Q & A

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 overdraft in two different ways.

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as credit line or OD Protection, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans. 

With Overdraft Privilege we do authorize and pay overdrafts for the following types of transactions at our discretion:

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

We do not authorize and pay overdrafts on the following types of transactions unless you ask us to by opting-in.

• ATM transactions
• Non-recurring debit card transactions

If you would like to Opt-In for these type of transactions to be considered, opt-in by clicking below.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. 

Under our standard overdraft practices:

• We will charge you a fee up to $29.00 each time we pay an overdraft
• We will not charge you a fee if your account is overdrawn less than $5.00 on any given day
• The maximum limit of total overdraft or return fees per business day is $174.00¹ 

If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and non-recurring debit card transactions you may do so by one of the following methods:

• Call 1.800.280.0123 or 785.267.8900
• Stop by any branch location
• Complete the opt-in form below

• Call 1.800.280.0123 or 785.267.8900
• Stop by any branch location
• Complete the opt-out form below

When items are presented for payment, electronic and pre-authorized items will be processed first from smallest to largest dollar amount, followed by checks which will be processed numerically.