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OOPS! Overdraft Privilege

Consider -- have you ever...

  • Made a mistake in your checkbook?
  • Forgotten to record a deposit? A purchase? A withdrawal? A check order?
  • Had to guess at what transactions a joint owner has made?
  • Had a transaction denied or turned down at checkout?
  • Had the embarrassment and expense of a returned check?
We cannot promise or guarantee these things will never happen But what we can do is OOPS!TM

Rather than automatically returning unpaid all insufficient funds items that you may have, we will consider, without obligation on our part, payment of your reasonable overdrafts up to your assigned OOPS! limit.

You do not have to apply for this service and you do not need to sign any additional documents for the service. It is already a part of your Checking Deposit Account Agreement with us. With some exceptions, most of our checking account types, and individual accounts, are eligible for this service.

If you do not use the OOPS! program it costs you nothing. "Use" means you initiate insufficient funds transactions. If you do use the OOPS! program you will be charged our customary fees.

OOPS! can mean...

  • You may avoid high charges from merchants for returned checks.
  • You may avoid the embarrassment and inconvenience of denied purchases and dishonored checks.
  • Payment of your occasional and inadvertent overdrafts up to your assigned OOPS! limit of $750 or $1,000 will normally be considered. These limits include our customary fees. Our fees will be added to any outstanding overdrafts you may have and will be applied against your OOPS! limit.

If you have questions concerning the OOPS! program please contact a Service Representative at (812) 492-8123 or (866) 492-8123.