1 Message and data rates may apply from your wireless carrier. Usage and qualification restrictions apply for mobile deposit.
† Simple Access Accountholders will have access to a $100 fixed Simple Access Overdraft Protection Limit (“Overdraft Protection Limit”) if qualifications are met. The Overdraft Protection Limit may be used to pay transactions including Checks, preauthorized automatic debits, Online Banking transactions, telephone-initiated transfers, and/or other electronic transfers during our End of Day Processing when you do not have enough money in your Account. It also may be used to authorize ATM withdrawals and one-time debit card transactions which exceed your Account’s Available Balance. There are no overdraft fees or returned item fees associated with the Simple Access Account or the Overdraft Protection Limit. All overdraft amounts must be paid immediately. If an Account is overdrawn in excess of forty-five (45) days, the Bank will review it to assess whether it should be charged off. Refer to your Deposit Account Rules and the Addendum for Simple Access for additional details and information on how to remove the Overdraft Protection Limit.
* Direct deposit is defined as an ACH credit transaction, such as payroll or other automatic transfer into your account. You may receive and access funds from ACH credits of $25,000 or less up to two (2) business days early. Early Direct Deposit (ACH) Access allows availability to eligible direct deposit (ACH) credits up to two (2) business days prior to the scheduled payment date; however, we are dependent on the timing of your payor’s payment instructions and therefore you may not always see your direct deposit (ACH) credit arrive early. Fraud prevention restrictions may delay availability of funds with or without notice. This benefit will be provided at no cost, and no action is needed to take advantage of Early Direct Deposit (ACH) Access.
