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Overdraft Coverage Options
Life happens! Platte Valley Bank of Missouri understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.
Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account or demand deposit loan you may have at Platte Valley Bank of Missouri for a fee or finance charge. Please note that overdraft protection demand deposit loans are subject to credit approval.
Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have overdraft protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.
The choice is yours. Consider these ways to cover overdrafts:
|
Overdraft Protection Options |
Fee Details |
|
Overdraft Sweep Protection1
|
$10.00 per sweep
|
|
Demand Deposit Loan1
|
Subject to fees + interest Subject to Credit Approval |
|
Home Equity Line of Credit (HELOC)1
|
Subject to fees + interest Subject to Credit Approval
|
|
Overdraft Privilege |
$30.00 NSF Fee per item |
For more information on these options see "Additional Helpful Information" below.
1Call us at 816-858-5400, email us at odp@plattevalleybank.com, or come by a branch to sign up or apply for these services.
|
Transactions Covered with Overdraft Privilege |
Standard Coverage |
Extended Coverage (Your consent required on consumer accounts)* |
|
|
Checks |
X |
X |
|
|
ACH - Automatic Debits |
X |
X |
|
|
Recurring Debit Card Payments |
X |
X |
|
|
Online Bill Pay Items |
X |
X |
|
|
Internet Banking Transfers |
X |
X |
|
|
Telephone Banking |
X |
X |
|
|
Teller Window Transactions |
X |
X |
|
|
ATM Withdrawals |
|
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 withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.
You can discontinue the Overdraft Privilege in its entirety by contacting us at 816-858-5400 or sending us an e-mail at odp@plattevalleybank.com.
