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Overdraft Protection

Protection that gives you more peace of mind.

We understand that unexpected overdrafts can happen from time to time – Overdraft Coverage can help. At Partners Bank, we give our customers the freedom to choose how they manage their overdrafts. There are two options available: Overdraft Privilege and Overdraft Protection.

Overdraft Coverage Options

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


Service Cost
Overdraft Protection links to another deposit account you have at Partners Bank1 $10 fee per transfer
Overdraft Privilege Standard or Extended Coverage $32 Overdraft Fee per item presented*

1Call us at 870-338-6451, email us at ODP@partnersbank.com/send us a secure message through online banking, or come by a branch to sign up for this service.

 * Per item presented means each time an item is presented, including re-presentment

Overdraft Privilege

For a fee, our standard overdraft policy allows you to overdraw your account up to a disclosed limit to pay a transaction. Overdraft Privilege has two forms of coverage: Standard and Extended.

Transactions Covered with Overdraft Privilege Standard Coverage
(No action required)
Extended Coverage

(Your consent required on consumer accounts) *

Checks X X
ACH – Automatic Debits X X
Recurring Debit Card Transactions X X
Online Bill Pay Items X X
Internet Banking Transfers X X
Telephone Banking X X
Teller Window Transactions X X
ATM Transactions     X*
Everyday Debit Card Transactions     X*

*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended Coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.

To select Extended Coverage for your account, call us at (870) 338-6451, visit any branch location, complete the online consent form, or send us a message here.

Overdraft Protection

Overdraft Protection applies to all transactions and will transfer your funds from one Partners Bank account to another for a secure backup plan in the event of insufficient funds.

We want to Partner with you
Our team is ready to provide you the professional guidance and personal attention needed to help you reach your financial goals. Contact us today to get started.

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Routing Number

302 Cherry St Helena, AR 72342

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