ATM & Debit Card Overdraft Services Opt-In Form

What You Need to Know about Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

We can cover your overdrafts in two different ways:

• We have standard overdraft practices that come with your account.
• We also offer overdraft protection plans, such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft practices.

To learn more, ask us about these plans.

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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 to (see below):

• ATM transactions
• Every-day 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.

What fees will I be charged if Texas Heritage National Bank pays my overdraft?

Under our standard overdraft practices:

• We will charge you a fee of $34 each time we pay an overdraft.
• Daily overdraft charge = 18%.

What if I want Texas Heritage National Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

You may submit an opt-in request using one of the following options:

• Visit your local branch
• Call us at 903-645-2251

Submit your request in writing or by completing the Opt-In Form and returning it to your local branch.