If you have overdrawn your account by a check, ACH electronic payment, ATM withdrawal, teller window transaction, or point-of-sale debit card transaction, Special OPS may cover your transaction even though you do not have enough money in your account. In addition to having a negative account balance, you will incur a $34 overdraft fee, with a max of $170 per day. However, you will not incur any merchant fees. If you have established Transfer Protection to cover a negative balance through an automatic transfer from another deposit account or a personal line of credit, the Bank will access funds from these sources before using your Special OPS overdraft limit. Special OPS is available to all Online Checking, First Class Checking and Traditional Checking account holders.
You should make every attempt to bring your account to a positive balance within 24 hours. If you are unable to bring your account to a positive balance within four days, please call us. We are happy to work with you.
While there are benefits to Special OPS, please be advised that there are risks associated with using this service and you are encouraged to manage your account responsibly. Please contact us for more information.
Enrollment in Special OPS does not guarantee that we will always pay your transaction when you do not have sufficient funds to cover the transaction. Circumstances that may prompt this action would be suspect fraudulent activity within the account.