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OVERDRAFT COVERAGE OPTIONS:

Overdraft Privilege AND OVERDRAFT PROTECTION

 

 

Life happens! The Commercial Bank of Ozark understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

 

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Service

Cost

Overdraft Protection Link to Another Deposit Account you have at The Commercial Bank of Ozark1

$10 fee per transfer

Overdraft Protection Line of Credit1, 2

Subject to fees + interest

Overdraft Privilege

$32.50 NSF Paid Item per item. Daily fees may apply.

1Call us at (334) 774-4931, email us at bkkp@cbozark.com, or come by a branch to sign up or apply for these services; 2subject to credit approval.

 

Overdraft Protection services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another deposit account, or line of credit you may have at The Commercial Bank of Ozark for a fee or finance charge. Please note that overdraft lines of credit 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.

Transactions Covered with Overdraft Privilege

Standard Coverage
(No action required)

Extended Coverage

(Your consent required) *

If you would like to select Extended Coverage for future transactions:

  • call us at (334) 774-4931,
  • complete the online consent form found at www.cbozark.com,
  • visit any branch,
  • complete the consent form and mail it to us at P.O. Box 1029 Ozark, Al 36361, or
  • e-mail us at bkkp@cbozark.com

Checks

X

X

ACH - Auto 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 Purchases

 

X*

 

* If you choose Extended Coverage, 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 (334) 774-4931 or sending us an e-mail at bkkp@cbozark.com.

 

What Else You Should Know

 

If you have any questions about Overdraft Protection or Overdraft Privilege, please call us at (334) 774-4931 or visit a branch.

Extend your coverage by clicking here! Consent_form.pdf

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Notice: Because there is a risk that information transmitted via Internet email could fall into the wrong hands, Commercial Bank of Ozark suggests that confidential information, such as account numbers or social security numbers, not be transmitted via email. If this information must be stated, please contact Commercial Bank of Ozark by phone or at your nearest office. Thank you. If you "Continue", the link will open a new email message in your default email program.

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