Overdraft Privilege

Overdraft Privilege

Anyone can make a mistake. Let Emprise Bank make sure your checking accounts are always protected from overdraft with this discretionary overdraft service.

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  • Protect your account from overages
  • Avoid bounced check fees from retailers
  • Opt in to protect ATM and debit card transactions
  • Coverage available up to $600*
  • No service fee unless you use it
  • No charge for transfers less than $5
  • Low $32 per-usage charge
  • Maximum 5 charges per day
  • Subject to approval

Why do you need to make an Opt In or Opt Out decision?

Simply put, if your account is qualified for Emprise Bank's Overdraft Privilege and you have a debit card or ATM card, new regulations now require you to give us permission to authorize and pay your everyday debit card transactions (purchases from a merchant) or your ATM withdrawals when you don't have sufficient funds in your account.

You can change your Opt status at anytime, though, by filling out the Opt In or Opt Out form.

*Restrictions and fees may apply. Contact us for complete information on Overdraft Privilege Service Description.