If you have not opted-in to Overdraft Privilege Plus, your MasterCard® debit card and/or ATM card transactions is/are not protected.

Please read the following and fill out the secure form at the bottom of the page if you intend to opt-In your checking account(s). The information is submitted to a secure system. Remember, we would never ask you to send sensitive personal information through unsecure channels such as e-mail.

What You Need to Know about Overdrafts and Overdraft Fees

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 overdrafts in two different ways:

  • We have standard overdraft practices that come with your account
  • We also offer overdraft protection plans, such as linking your checking account to a savings account, which may be less expensive than our standard overdraft practices.

Learn More

Review our Overdraft Solutions Options. Visit the Federal Reserve website to find additional information regarding your overdraft choice. If you have any questions, feel free to contact us.

Standard Overdraft Practices

We do authorize and pay overdrafts for checks and other transactions made using your checking account number, including automatic bill payments.

We will not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

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.

Overdraft Fees

Under our standard overdraft practices, we will charge you:

  • Up to $32 per item
  • $32 on returned NSF, per item

Authorize Overdrafts on ATM & Everyday Debit Card Transactions

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, please contact us by calling toll free 866.770.3100 or fill out the form below.

Revoke Previous Election

If you would like to change your election, you can also call us at 866.770.3100. You may revoke Overdraft Privilege Plus at anytime.


  • OKI want the Bank to authorize and pay overdrafts on my ATM and Visa Check Card transactions is required
  • OKFull Name is required
  • OKLast 4 Digits of Account Number is required
  • OKStreet Address is required
  • OKCity is required
  • OKState is required
  • OKZip Code is required
  • Phone

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    OKPhone is required
  • OptionalOKE-mail is required
  • OK is required