Overdraft Opt In

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:

1. We have standard overdraft practices that come with your account.
2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask about these plans.

This notice explains our standard overdraft protection practices.

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

Under our standard overdraft practices:

• We will charge you a fee of up to $32 each time we pay an overdraft.
• Also, for business accounts overdrawn for 4 or more consecutive business days, we will charge an additional $7 every fourth day.
• There is a 4 per day limit on the above $32 fee we can charge you for overdrawing your account. (There is no limit on the number of NSF items per day for business accounts.)

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, complete the form below.

There is no limit on the total fees we can charge you for overdrawing your account.

You have the right to revoke consent at any time.

I do not want Consumers National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

I want Consumers National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

Printed Name:

Date:

DDA Account Number:

*A negative, Non-Sufficient Funds (NSF), Overdraft and/or Uncollected Funds (UCF) balance may result from: the payment of checks, in-person withdrawals, ACH, internet banking or telephone banking, ATM, and everyday debit card transactions if you have opted into extended overdraft protection; payments authorized by you; the return, unpaid, of items deposited by you; the imposition of bank service charges; the deposit of items which according to the bank’s Funds Availability Policy are treated as not yet “available” or finally paid, and funds that are not available due to a pending authorized transaction that has not cleared the account. The bank reserves the right to require NSFs, Overdrafts and/or UCFs to be paid immediately. NSFs, Overdrafts and/or UCFs are paid at the bank’s discretion. Member FDIC.

Opt In/Out Online Form