Overdraft Protection
Overdraft Coverage Options
The choice is yours. Consider these ways to cover overdrafts:
Service | Cost |
---|---|
Overdraft Protection Link to Another Deposit Account you have at MyGeorgia* | MyGeorgia* $5.00 fee per transfer. |
Overdraft Protection Line of Credit* | Interest applies. |
Overdraft Privilege | $32.00 overdraft fee per item. |
Overdraft Privilege allows you to overdraw your account for a fee in order to pay a transaction..
Transactions Covered with Overdraft Privilege | Standard Coverage (No action required) | Extended Coverage (Your consent required) |
---|---|---|
Checks | X | X |
ACH - Auto Debits | X | X |
Recurring Debit Card Payments | X | X |
Online Bill Pay Items | X | X |
Internet Banking Transfers | X | X |
Telephone Banking | X | X |
Teller Window Transactions | X | X |
ATM Withdrawals | X* |
- We have standard overdraft practices that come with your account.
- We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.
- Checks and other transactions made using your checking account number
- Automatic bill payments
- ATM transactions
- Everyday debit card transactions
- We will charge you a fee of up to $32 each time we pay an overdraft.
- There is no limit on the total fees we can charge you for overdrawing your account.