WHAT YOU NEED TO KNOW ABOUT OVERDRAFTS AND OVERDRAFT FEES

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 another account or a line of credit, which may be less costly than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

 

What are the standard overdraft practices that come with my account?
 
We
do authorize and pay overdrafts for the following types of transactions:
  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions without your consent:

  • 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.


What fees will I be charged if Citizens Bank & Trust pays my overdraft?
 
Under our standard overdraft practices:
  • We will charge you a NSF Paid Item fee of up to $34.50 each time we pay an overdraft.
  • We will not charge you a NSF Paid Item fee if your account is overdrawn by $5.00 or less on any given day.
  • If your account is overdrawn for five or more consecutive business days, we will charge an additional $2.00 for each of the consecutive business days the account remains overdrawn.
  • There is a limit of $200.00 per day on the total NSF Paid Item and NSF Returned Item fees we can charge you for overdrawing your account.


What if I want Citizens Bank & Trust to authorize and pay overdrafts on my ATM and everyday debit card transactions (Extended Coverage)?Toms Sko
 

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (800) 634-6203, visit our website at http://www.ebankCBT.com, or complete the form below and present it at a branch or mail it to: PO Box 50, Chillicothe, MO  64601.  You can revoke your authorization for Citizens Bank & Trust to pay these overdrafts at any time by calling (800) 634-6203, visiting a branch or mail the revocation to: PO Box 50, Chillicothe, MO  64601.  Your revocation must include both your name and your account number so that we can properly identify your account.Toms Sko




Please make a selection above to not authorize or authorize approval.

Printed Name: required.
Date: required.
Account Number: required.
Email: required.Invalid email format.
 

 

 

 


© 2015 Citizens Bank and Trust Company. All Rights Reserved.
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
Toms Sko
jordans for sale
Toms Sko
Toms Sko
Air Jordan 7 Bordeaux
Air Jordan 6 Low Infrared 23
Air Jordan 7