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Just In Case

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Four Levels of Overdraft Protection

So you make a slight miscalculation one month, and suddenly your account drops below zero. It can happen to anyone. The good news is, your account already comes with standard overdraft coverage, giving you basic protection on certain transaction types. Standard overdraft coverage can work alone or with other overdraft coverage programs such as a line of credit or a linked savings or checking account offering even more protection, so you can get into the black and back on track.

Learn more about our Standard Overdraft Coverage
Heritage Bank’s standard practice is to provide all eligible checking accounts with standard overdraft coverage. This means that if you don’t have enough funds in your account to cover a transaction, at our discretion we may pay for the transaction on your behalf. We may charge you our standard overdraft fee of $34 per item (up to 6 per business day), and an additional $5 per business day if your account is overdrawn 4 or more consecutive business days (maximum of 15 business days).

If we decline to pay an eligible transaction, the transaction will be returned or declined and we may charge a $34 insufficient funds fee (returned). Repayment of the overdraft amount is expected within 45 calendar days. You should make every effort to bring your account to a positive balance within 30 calendar days. At 30 calendar days, we will send you a letter informing you of the account status and your options.

With standard overdraft coverage, Heritage authorizes and pays overdrafts for the following transactions (up to the account limit):

  • Checks
  • Over-the-counter withdrawals
  • ACH transactions (including automatic bill payments and online bill pay transactions)
  • Recurring debit card transactions (online subscriptions, gym memberships, etc.)

Our standard coverage does not automatically include coverage for ATM and one-time debit card transactions. To extend your coverage to your ATM and one-time debit card transactions that might overdraw your account, you must opt in to our enhanced overdraft coverage.

  • By opting in, you're authorizing us to pay these items at our own discretion. Our standard overdraft fees will apply.
  • By opting out, we will not pay for the transaction and it will be declined. No fees will be assessed.

Why get extra overdraft protection?
The standard overdraft coverage that comes with your account is limited to certain types of transactions. Our enhanced overdraft coverage gives you the next level of protection, covering more transaction types than our standard coverage.

Line of Credit Protection and Overdraft Protection plans are also available and can work along with our Standard and Enhanced Coverage. These plans generally offer a higher degree of coverage at a lower cost as they guard against NSF fees and returned checks.


Compare Options

  Enhanced Opt In Coverage Overdraft Protection Line of Credit Protection
Plan type This plan offers you the next level of coverage for your account. This plan links your savings and checking. This plan gives you the convenience and security of a line of credit.
How it works To extend your overdraft coverage to include ATM and one-time debit card transactions that might overdraw your account. Funds get transferred from savings to checking in increments of $50 (or available balance, whichever is less) to cover overdrafts.* Funds are automatically advanced to your checking account in increments of $100 to cover overdrafts.
Fees Our standard NSF fee applies, $34 per item $5 transfer fee per day Classic Reserve Line $24 Annual fee
Learn more
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Download Application (PDF)

*If enough money is not available in your linked overdraft protection account to cover the entire overdraft, an overdraft protection transfer will not occur.

Tips to help avoid overdraft fees (PDF)

Additional Information