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How Do Overdrafts Happen?
Overdrafts can happen when you:
We encourage you to always avoid overdrafts. But, if you would like to have overdraft protection available to cover occasional mistakes, we do offer three types of overdraft protection. When considering overdraft options, it's important to consider the cost of each.
The Heritage Bank Offers 3 Types of Overdraft Protection:
1 - Bounce Protection: This service automatically transfers funds from an attached savings account to cover overdrafts in your checking account. There is a $5 fee for each Bounce Protection transfer.
2 - Lines of Credit: Credit lines may be linked to your checking account to cover overdrafts. There is a $5 fee for each transfer, and interest is charged on outstanding balances according to terms. If interested, you must qualify for a line of credit.
3 - Overdraft Advantage Program (OAP): OAP is a service that assigns a limit to your checking account for use in the event you make a mistake in your records. This limit can be used to authorize a check, ACH withdrawal, or recurring bill payments in the event your checking account does not contain funds to cover the item. We also offer the option of Debit Card coverage for everyday debit card and ATM transactions. If interested, you must opt in to this coverage. There is a Non-Refundable $36 fee for each overdraft.
How Can I Better Manage Overdraft Protection?
Good account management means understanding your options and making an informed choice about how to conduct your transactions.
By reviewing your periodic statement, you will be able to track what you pay each month and throughout the year for nonsufficient funds fees and overdraft fees. Use this and other information to evaluate your overdraft protection experience. We will be happy to discuss other overdraft coverage options with you.
To discuss overdraft options, please call our Client Care Line 800.624.6452 or visit your local branch.
A Special Message To Clients Enrolled In Overdraft Advantage Program (OAP)
If you are currently enrolled in the Overdraft Advantage Program (OAP) and would like to exit the program:
Just ask us! Let your local branch team know your preference, and we will be happy to assist you with exiting the program. You can also call our Client Care Line 800.624.6452 for assistance.
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