Overdraft Privilege


Have you ever. . .
  • Made a mistake in your checkbook?
  • Forgotten to record a purchase? A withdrawal? A check reorder?
  • Had to "guess" at what transactions a joint owner has made?
  • Had a purchase denied at checkout?
  • Experienced the embarrassment and extra expense of a returned check?

We understand. Unanticipated expenses and unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be a costly, inconvenient and embarrassing experience. That's why we provide our Overdraft Privilege service.

What is Overdraft Privilege? How does it help me?
The Overdraft Privilege Service acts as an added "safety net" in the event that you make a mistake with your checking account or have an unexpected expense that leaves you with too little money in your accounts. It allows us to approve and pay your checks, electronic payments, ACH debits and Debit Card Purchases* from your checking account up to your approved Overdraft Privilege limit when there are insufficient funds in the account. If we elect to pay your items under this service, you are charged our standard NSF Fee of $27 for each item paid. In addition, you are saved from receiving returned item and/or late payment fees charged by the merchants and creditors to whom payment was made. You are not charged anything if you do not use the service.

Need More Information?
Download our Overdraft Privilege Brochure & Policy
or call us at (513) 381-2677 or (800) 810-0221.


*Effective July 1, 2010, you must elect coverage for every day Debit Card purchases such as groceries, gas and doctor copays.