What is an overdraft?

An overdraft occurs when there’s not enough money in your account to cover a transaction, such as an ATM cash withdrawal or a debit card purchase at a store. At our discretion, we may decide to pay the check or process the transaction even without sufficient funds available. In some cases, your check will be returned or your transaction will be denied. If we do decide to process transactions that overdraw your account, you will be charged a fee for each item, unless you have one of our alternate overdraft services.