An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway. We can cover your overdraft by offering the following:
•We have standard overdraft practices that come with your account, such as a link to your savings account, which will transfer money if it is available to cover items from your share draft (checking) account.
Starting May 2014 we do not authorize and pay overdrafts for the following types of transactions unless you have chosen to use our Courtesy Pay privileges.
•ATM/Debit transactions from your share draft (checking) account
•Checks and other transactions made using your share draft (checking) account number
•Automatic bill payments
We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.
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