Personal Overdraft Services Frequently Asked Questions

You can call us at 1-800-922-8742 to find out more information on overdraft protection. You can also stop by any local Tri Counties Bank branch.

We offer Linked Deposit Account, Automatic Cash Reserve and Overdraft Privilege.

Yes, your main checking account can be linked to multiple deposit accounts for overdraft protection. If you have more than one eligible account that could serve as overdraft protection for your checking account, you will need to designate the access order for each account. You can always change the order of the linked accounts for overdraft protection by calling 1-800-922-8742 or by contacting your local branch.

Yes. You can change the linked account for overdraft protection by calling 1-800-922-8742 or by contacting your local branch.

Your Current Balance is the balance in your account at the close of the previous business day.

Your Available Balance is the amount of funds available for withdrawal and authorizing transactions. Your Available Balance may be different than your personal register balance (sometimes called Ledger Balance).

The Available Balance is reduced by:

• the amount of pending transactions, such as a point-of-sale transaction
• funds on hold in accordance with our funds availability policy
• our receipt of notice that a transaction will be presented or returned
• our receipt of a legal process relating to your account
• your use of your account as security for a loan

If you use a Linked Deposit Account to serve as your overdraft protection, the Overdraft Transfer information will reflect on the statements for your accounts. If you are also signed up for Online Banking, the Overdraft Transfer will also be listed as a line item in your account activity. Be sure to add this transfer to your check register.

If you have an Automatic Cash Reserve (ACR) account in place, you will receive a Transfer Notice once funds have been transferred to cover an account. Be sure to add this transfer to your check register.

If an item is presented that would overdraw your account, you will receive a Non-Sufficient Funds (NSF) notice in the mail. The notice will show the check number, serial/Electronic Funds Transfer (EFT) number, amount, total Non-sufficient Funds (NSF) fee(s) and action taken (Paid/Returned). You should subtract the total of all transactions paid from your check register.

The fee is $34.00 for each transaction that overdraws your account, up to $136 per day (which equals 4 overdraft fees). We do not charge the $34.00 fee, if after all transactions presented to your account in any given day are paid, your account balance is overdrawn $5 or less.

If you have no form of overdraft protection, we will refuse to authorize everyday debit card transactions and ATM transactions that would overdraw the account (unless you have an Automatic Cash Reserve (ACR) alternative). There is no charge by us for declining these transactions.

We will also return checks and Automated Clearing House (ACH) transactions and reject recurring debit card transactions that would overdraw your account (unless you have a Linked Deposit Account or Automatic Cash Reserve alternative). 

Yes, you must advise us at account opening which option best meets your needs. However you can opt out or decline Overdraft Privilege at any time as well as select or opt in Overdraft Privilege.

If you change your mind and want to:

• Decline Overdraft Privilege, all you need to do is call us at 1-800-922-8742 or visit your local branch to make the desired change to your account
• Switch from Full Overdraft Privilege to Limited Overdraft Privilege, all you need to do is call us at 1-800-922-8742 or visit your local branch to make the desired change to your account
• Switch from Limited Overdraft Privilege to Full Overdraft Privilege you will need to make that change in person at a branch

You should make every attempt to bring your account to a positive balance as quickly as possible. If you are not able to do so, you will receive a letter from us informing you of the situation and your options. If, after a period of time, you do not bring your account to a positive balance, we will have no option but to close your account and take other steps to recover funds.

To retain your Overdraft Privilege you must bring your account to a positive end-of-day balance at least once every 30 calendar days.

No, it will not be reflected in the "available balance."

Overdraft Privilege is not a line of credit. This is a discretionary service, which means we have the right to refuse to pay any transaction that would overdraw your account. In addition, normally we will not approve an overdraft in excess of the Overdraft Privilege limit assigned to your account. So as not to exceed your overdraft limit, please note that we will deduct the amount of each overdraft we pay plus our standard fee of $34.00 per overdraft from the Overdraft Privilege limit assigned to your account. The Overdraft Privilege limit assigned to your account will not be included in the account balance we provide when you ask for your account balance.

We are here to help! We have compiled some additional resources that are available on our website in our Money Management Tips section.