Overdraft Protection

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Discretionary Overdraft Privilege

If you inadvertently overdraw your account, PointBank has the option, at its sole discretion, to cover your overdrafts up to a certain amount, including fee(s) and thereby saving you the embarrassment and inconvenience of a returned or declined item, as well as the fee normally charged to you by merchants for items returned to them.

The amount of discretionary overdraft privilege extended to each customer varies based on your banking habits. Each account will be continually monitored to determine the amount of discretionary overdraft privilege to be extended when an item is presented for payment. The criteria evaluated includes, but is not limited to: age of account, deposit balance, deposit regularity, account status relating to legal or administrative order/levy, and status of loan obligations with PointBank.

Please note: Your account will be charged $30.00 for every non-sufficient fund item whether the item is paid or returned unpaid. Overdrafts and fees must be repaid within 45 days.

Click here for a description of our overdraft practices and the options available to you. If you want PointBank to pay overdrafts on ATM card and everyday debit card transactions you must opt-in for discretionary overdraft privilege. If you have not opted-in you may do so using the form below.

Opt-In/Opt-Out Form

You may also use the form below to opt out of having ATM card and debit card transactions paid.

If you have any questions, call or come by one of our banking centers and a friendly, knowledgeable associate will be happy to help you.

Opt In or Out Form

Useful information for completing the form:

Personal Information
 
First Name:*
Last Name:*
Daytime Telephone:*
Email Address:*
Account Number(s)*  
   
   
   
   
Please check box after reviewing disclosure I have received the disclosure document titled "What You Need to Know about Overdrafts and Overdraft Fees" (must check this box before proceeding).