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 ... more »