Overdraft Coverage

What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

• Checks' and other transactions made using your checking account number
• Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us (see below):

• ATM transactions
• Everyday debit card transactions

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if First Harrison Bank pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of up to $33 each time we pay an overdraft.
• Also, a continuous overdraft fee of $15 will be charged every 15 calendar days your account is overdrawn.
• The maximum daily overdraft limit that we will charge you for overdrawing your account is $175.00.

What if I want First Harrison Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

• We will charge you a fee of up to $33 each time we pay an overdraft.
• Also, a continuous overdraft fee of $15 will be charged every 15 calendar days your account is overdrawn.
• The maximum daily overdraft limit that we will charge you for overdrawing your account is $175.00.

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transaction, complete the form below and drop it off at a branch or mail to:

First Harrison Bank
PO Box 37
Palmyra, IN 47164

Note: You have the right to opt-out of this agreement (in writing) via the above contact information.