Personal Overdraft Services

Linked Deposit Account (Optional)

Link your checking account to another Tri Counties Bank account (checking, savings, or money market) that you own. If your checking account becomes overdrawn as a result of a check or ACH transaction, available funds will be transferred automatically from the linked account to your checking account once at the end of the day, provided the balance in the linked account is sufficient to cover the amount of the overdraft. There is no fee for this service.

Overdraft Privilege

Overdraft Privilege is a discretionary service available to customers with qualifying checking accounts. You can decline or opt out of Overdraft Privilege entirely at any time. You can choose Limited Overdraft Privilege, which provides for discretionary overdraft coverage of checks, ACH, and other transactions using your checking account number, and recurring Debit Card transactions. You can also opt-in to Full Overdraft Privilege, which adds coverage for everyday debit card and ATM transactions.

Full Overdraft Privilege (Optional)

When you enroll in Limited or Full Overdraft Privilege, we charge an Overdraft Fee of $34.00 for each transaction that overdraws your account, up to $136.00 per day (which equals four Overdraft Fees). We do not charge an Overdraft Fee if, after all transactions presented to your account in any given day are paid, your account balance is overdrawn by $5 or less.

Opting Out of Overdraft Privilege

You can opt out of Limited or Full Overdraft Privilege at any time by calling 1-800-922-8742 or by contacting any branch.

Force Pay Transactions: There may be instances where we will pay a transaction even if you do not have sufficient funds in your account to cover the transaction and are not enrolled in Overdraft Privilege. These transactions can occur, for example, when an ATM transaction, everyday debit card transaction or recurring debit card transaction is approved but later other transactions reduce the balance in your account before your ATM transaction or everyday debit card transaction is posted to your account. Under these circumstances, we will still pay (or “force pay”) the transaction and you will not be charged a fee. Although this represents the Bank’s policy with respect to Force Pay Transactions, it is more likely than not that if you have No Overdraft Privilege coverage, your transactions will be returned, rejected or declined as described above rather than force paid.

Protect Against Unintended Overdrafts

Avoiding overdrafts is the lowest-cost way to protect your money from fees. Here are some ways you may be able to avoid overdrafts:

1. Frequently track your account balances through Tri Counties Bank Mobile and Online Banking or at an ATM.
    
2. Set Mobile or Online Banking alerts to notify you regularly, by text or email, of your account balance and help you keep track of your account.
    
3. Use Tri Counties Bank Mobile and Online Banking to transfer funds from one account to another, 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 check register.
    
6. Review your monthly statements and notify the bank promptly of any errors.

Additional Resources

• Consumer Overdraft Disclosures

Click below to review our current fee schedule and account agreement and disclosures:

Consumer Fee Schedule    Consumer Deposit Account Agreement And Disclosures