Life happens! Crews Bank & Trust understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.
|Overdraft Protection link to another deposit account you have at Crews Bank & Trust1||$3 fee per transfer|
|Overdraft Privilege Standard or Extended||$33 Overdraft Limit Fee per item presented*.|
Transactions Covered with Overdraft Privilege
Standard Coverage (No action required)
Extended Coverage (Your consent required on consumer accounts)*
|ACH - Automatic Debits||X||X|
|Recurring Debit Card Payments||X||X|
|Online Bill Pay Items||X||X|
|Teller Window Transactions||X||X|
|Everyday Debit Card Transactions||X*|
If you would like to select Extended Coverage for future transactions:
*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended Coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.
Understanding your Available Balance: Your account has two kinds of balances: the Ledger Balance and the Available Balance.
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:
This notice explains our standard overdraft practices.
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions:
You can revoke your authorization for Crews Bank & Trust to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.