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Overdraft Program

Personal Accounts

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:

  1. We have standard overdraft practices that come with your account.
  2. We offer an overdraft protection plan, a link to a savings account, which may be less expensive than our standard practices. To learn more, ask us about this plan.

This notice explains our standard overdraft practices.

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

  • 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.

What fees will I be charged if Inter National Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee up to $35.00 each time we pay an overdraft item.
  • We charge a fee of $35 each time we pay an overdraft item. We will limit the number of fees to 6 items per day that we pay within your overdraft limit on a personal account.
  • Business accounts will be charged overdraft interest calculated on the average negative available balance for the statement cycle period at 1.5%.

Learn more about Avoiding Overdraft Fees.

What if I want Inter National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, you may call us or drop by any of our convenient locations.  You can also submit your request to opt-in or opt-out using this online form.  

Find more information about protecting yourself from overdrafts from the Federal Reserve. 

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