Have you ever...
- Made a mistake in your checkbook?
- Forgotten to record a deposit? A purchase? A withdrawal? A check order?
- Had to “guess” at what transactions a joint owner has made?
- Had a transaction denied or turned down at checkout?
- Had the embarrassment and expense of a returned check?
We understand that mistakes and unexpected expenses happen that create a time when a transaction you authorize exceeds the funds in your account. To protect you from checking account overdrafts we offer the following services:
When you link your savings account to your checking account for overdraft protection, funds are automatically transferred from your savings to your checking in $100 increments to bring the balance above $0.
Personal Line of Credit
Attaching a Personal Line of Credit to your checking account gives you your own preapproved loan. It automatically transfers money to your checking account when checks or debits exceed your balance.
Overdraft Privilege (ODP)
Rather than automatically returning, unpaid, all insufficient funds items that you may have, we will consider payment of your reasonable overdrafts up to your assigned ODP Limit. ODP is a privilege on qualifying National Exchange Bank & Trust checking accounts.
You do not have to apply for this service. It is already a part of many checking accounts with us. If you would like our ODP service applied to CheckCard and ATM Card transactions complete the Overdraft Opt-In form.