Overdraft Limit Disclosure

Overdrafts may be created by check, ATM or debit card, in-person withdrawal, transfer or other electronic means. A $33.00 nonsufficient funds fee will be charged each time an item is presented on your account when you have nonsufficient funds. Overdrafts will not be paid on ATM and everyday debit card transactions unless you opt in. Once your account becomes overdrawn, you are obligated to bring your account to a positive balance immediately. We will generally pay overdrafts up to the limit previously disclosed to you if you are in good standing, which means you continue to make deposits consistent with your past practices. The account continues to repay the negative balance consistent with past practices. Additionally, your account does not have a delinquent loan of more than 30 days, and does not have any garnishments, levies or liens against your account. Does not have excessive returns deposits and you make at least 1 deposit in the last 30 days. Items paid against non-sufficient funds is discretionary and we reserve the right not to pay items even if items previously presented have been paid. The overdraft limit does not imply we will not pay beyond this amount.