Overdraft Management

*We will charge an NSF fee of $36 for each presentment. Standard overdraft practices apply when authorization has been made to pay overdrafts for the following transactions: Checks and other transactions made using your checking account number or automatic bill payments. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. We will not authorize and pay overdrafts for ATM transactions or everyday debit card transactions unless you ask us to. Deposits are required within 60 days of an overdraft. If an overdraft is not paid in full within this period your account is subject to close. See a Personal Banker for details on minimum balance requirements and monthly maintenance fees for all deposit accounts.

**An NSF fee will not be charged to an account if the ending daily balance in the account is overdrawn by $5.00 or less.

***Requires separate enrollment for non-Premier accounts. Different enrollment fee may apply during the first calendar year you are enrolled in the program. See program disclosure for additional details. A fee of $36 will be charged for each overdraft that exceeds the number refunded in any given calendar year that you are enrolled in the program. The refund of the Overdraft fee will typically be posted to your account no later than the next business day after the fee has posted to your account. If fewer overdrafts occur during each calendar year, only the number of overdraft fees posted to the account will be refunded. A refund of an overdraft fee does not indicate nor guarantee that the overdraft item will be paid and/or not returned to the presenter. Bank Independent reserves the right to terminate this program at any time, effective at the expiration of any calendar year.

†Overdraft Fee Forgiveness is complimentary with Premier Checking.