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Opt In For Overdraft Protection

Because of regulatory requirements issued in 2010, CoreFirst Bank & Trust requires that you give us consent to authorize and pay overdrafts for ATM and everyday debit card transactions and to assess a fee. Deciding to opt-in for these services is an important decision. The following information will aid in making an informed financial decision.
By Opting-In
  • CoreFirst Bank & Trust will attempt to cover your everyday debit card and ATM transactions regardless of the balance in your account.
  • Fees will be incurred each time we pay an overdraft transaction. These fees will be charged only if we actually cover an overdraft and are detailed below. There is no fee to Opt-In your account.
By Opting-Out
  • You DO NOT authorize CoreFirst Bank & Trust to cover your everyday debit card and ATM transactions when the balance is insufficient in your account. This will cause the transactions to be declined.
What You Need to Know about Overdraft 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 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 a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
This notice explains our standard overdraft practices.

•  What are standard overdraft practices that come with my account?
We do authorize and pay overdrafts for 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 transaction will be declined.
•  What fees will be charged if CoreFirst Bank & Trust pays my overdraft?
Under our standard overdraft practices:
  • We will charge you a fee up to $29 each time we pay an overdraft
  • We will not charge you a fee if your account is overdrawn less than $10.00 on any given day
  • The maximum limit of total overdraft or return fees per business day is $174.00

•  What if I want CoreFirst Bank & trust to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you want us to authorize and pay overdrafts for which an Overdraft fee will be assessed on ATM and everyday debit card transactions you may do so by one of the following methods:
  • Call (785)267-8900 or 1-800-280-0123
  • Complete and submit the form below

You can revoke your authorization for CoreFirst Bank & Trust to pay these overdrafts at any time by any of the above methods or by writing us at 3035 SW Topeka Blvd., Topeka, KS 66611. Your revocation must include both your name and your account number so that we can properly identify your account.
First Name*  
Middle Name
Last Name*  
Email Address*    



I want Corefirst Bank & Trust to authorize and pay overdrafts on my ATM and everyday debit card transactions for this account. I do not want Corefirst Bank & Trust to authorize and pay overdrafts on my ATM and everyday debit card transactions for this account.
Account Number(s): Yes (opt in) No(opt out)
 

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"CoreFirst Bank & Trust...One of America's Truly Great Banks."         Click for important information on FDIC coverage>>     Opt-In for Overdraft Protection>>

 
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