Internet Usage | Overdraft Privilege | Online Banking Agreement
(A Discretionary Overdraft Service)
Overdraft Privilege is our courtesy overdraft program. First Bethany Bank wants to do our part to save you from a costly and embarrassing overdraft experience. Overdraft Privilege is a courtesy overdraw privilege designed to make our customers' lives easier.
The Benefits are Clear
1This example assumes an industry average $30 NSF fee is charged by the Merchant.
It is the policy of our Bank to comply with applicable laws and regulations, and to conduct business in accordance with applicable safety and soundness standards.
A non-sufficient funds balance may result from:
We are not obligated to pay any item presented for payment if your account does not contain sufficient collected funds. Rather than automatically returning, unpaid, any non-sufficient funds items that you may have, if your eligible account (primarily used for personal and household purposes) has been open for at least thirty (30) days and thereafter you maintain your account in good standing, which includes at least:
We may refuse to pay an overdraft for you at any time, even though your account is in good standing and even though we may have previously paid overdrafts for you. You will be notified by mail of any non-sufficient funds items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s) that you owe us shall be due and payable upon demand. If there is an overdraft paid by us on an account with more than one (1) owner on the signature card, each owner, and agent if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdrafts plus our Non-Sufficient Funds and/or Overdraft (NSF/OD) Charge(s).
LIMITATIONS: Available only to eligible personal checking accounts primarily used for personal and household purposes (Business accounts, Student accounts and Money Market accounts are not eligible) and we may limit the number of accounts eligible for the Overdraft Privilege *service to one account per household.
*The Overdraft Privilegesm service does not constitute an actual or implied agreement between you and the bank. Nor does it constitute an actual or implied obligation of or by the bank. This service represents a purely discretionary courtesy or privilege that the bank may provide to you from time to time and which may be withdrawn or withheld by the bank at any time without prior notice or reason or cause.
By Phone - (405) 789-1110
Telephone Banking -
Email Us - Contactus@firstbethany.com
DISCLOSURES AND NOTICES
Routing # - 103009160
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