Different transaction types incur different types of actions on our part. If you don’t have enough money for:
A one-time debit card purchase such as groceries or a cup of coffee, the transaction will be declined with no fee.
A recurring debit card payment such as a gym or subscription service, we may allow the payment to go through, overdrawing your account, and may charge a fee. If we don’t allow the payment to go through, we won’t charge a fee.
An ATM withdrawal, we may give you the opportunity to overdraw your account for that specific withdrawal if you agree to our overdraft practices and fee at the ATM. If you cancel the withdrawal, we won’t charge a fee.
Check, Bill Pay payment or a scheduled electronic payment using your routing and account number, we may allow the payment to go through, overdrawing your account, and may charge a fee. If we don’t allow the payment to go through and return it unpaid, we may charge a fee and you may be charged a fee by the payee.
Please refer to the Deposit Agreement and Disclosures and the Personal Schedule of Fees for more details.