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.