Overdraft Privilege

PEACE OF MIND WHEN THE UNEXPECTED HAPPENS!

Overdraft Privilege is not a line of credit.

Personal Checking Accounts Overdraft Privilege Approval Process

  • Account must be open for at least 30 days
  • Account must be maintained in good standing
    • If you qualify for Overdraft Privilege and want us to authorize and pay overdrafts, up to your overdraft limit, on ATM and everyday debit card transactions you must opt in
    • Click/Print Form 2012 Overdraft Opt In Form
    • Drop off at any ValueBank Texas Branch

 Business Checking Accounts Overdraft Privilege Approval Process

  • Account must be open for at least 60 days
  • Account must be maintained in good standing

Overdraft charges may be imposed on any overdraft created by check, in person with­drawal, or other electronic means as applicable.

Overdrafts resulting from checks and other debits paid from your account will be assessed a $27.50 charge per item.

Overdraft balances, including all non-sufficient funds and overdraft charges are payable upon demand. Your account is required to be brought to a positive balance every 30 days or less.

ValueBank Texas is not obligated to pay any item presented for payment if your account does not contain sufficient funds.

Approval of payment of reasonable overdrafts by ValueBank Texas for accounts in good standing is only a courtesy, and not a right or an obligation, is within ValueBank’s sole and absolute discretion and can cease at any time without prior notice or reason or cause.


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