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An overdraft occurs when you don’t have sufficient funds in your account to cover a transaction, but we pay it anyway. You can decide how you would like us to handle transactions that would cause an overdraft owing options are available to you.

Overdraft Protection Products

We would like to take this opportunity to remind you that you should not overdraw your account. When you overdraw your account, our resulting fees and charges can be very expensive. By not overdrawing your account, you can avoid these fees. We hope to help you understand its possible impact on you and we offer the following overdraft protection products that may serve your particular needs and could save you money.

Overdraft Coverage Options



What is Covered?



Other Debit Payments (ACH/BillPay)

Recurring Debit Card Transactions

One-time Debit Card Transactions

ATM Withdrawals

Linked Deposit Accounts (Optional)

If necessary, we will pay items by transferring available funds from your linked deposit account, once at the end of the day. Transfers from Savings are subject to Federal Regulation D limits.


    $10 per transfer each time used per day

Automatic Cash Reserve Line of Credit (Optional)

If necessary, we will pay items by transferring available funds from a line of credit linked to your checking account. Advances are made in $50 increments to your checking account to cover overdraft items.

The Annual Percentage Rate (APR) is 18%. There is also a $5 Automatic Cash Reserve Transfer Fee. Interest is charged from the date funds are advanced until repaid.

Limited Overdraft Privilege (Included)

Included with most personal checking accounts based on eligibility requirements. If your account is eligible, you will receive this included benefit. Your checking account will have a negative balance if we pay overdrafted items. You can opt out of Limited Overdraft Protection at any time.


$32 for each item paid that overdraws your account up to $128 per day. We do not charge the $32 fee if, after all transactions presented to your account in any given day are paid, your account balance is overdrawn $5 or less.

Full Overdraft Privilege (Optional)

Opt-in is required if you would like to be eligible for Full Overdraft Privilege. It works like Limited Overdraft Privilege (above) PLUS it will also cover overdrafts to your checking account caused by debit card and ATM Transactions.

Same cost as Limited Overdraft Privilege

Learn More

Tips to Avoid Overdrafts

  1. Sign up for Tri Counties Bank Online Banking or Mobile Banking and frequently view your account balances online or at an ATM.
  2. Set a balance threshold alert to notify you by email or text daily. (For example, an alert would be sent to you, once a day, if your account balance falls below whatever amount you select.)
  3. Use Tri Counties Bank Mobile Banking to transfer funds from one account to another using your phone, no matter where you are.
  4. Set up a direct deposit to ensure that funds are deposited into your accounts promptly.
  5. Record every deposit or withdrawal—including Debit Card transactions— in your checkbook.
  6. Review your monthly statements and notify the bank promptly of any errors

How to Handle a Challenging Financial Situation

  1. If you are faced with a difficult financial situation, review your expenses and income to determine an appropriate spending plan for your current situation. Visit the FDIC Money Smart Financial Education Program site at: to find great tools and tips.

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