Overdraft Protection and Service
We get it. Sometimes unanticipated expenses or a mistake in your checkbook can leave your checking account short. And getting a returned check can be costly and inconvenient. That’s why we offer two overdraft service options. Hopefully, you won’t need either, but it’s always good to have the coverage if you do.
Overdraft Transfer Service
Standard Overdraft Coverage
This service permits Civista Bank to authorize and pay overdrafts at its discretion for checks; in-person withdrawals, recurring debit card transactions or other automated payments within the pre-assigned limit for your account. Civista may also help pay overdrafts from everyday debit card and ATM and transactions if you specifically opt-in.
There is no additional cost associated with this service unless you use it. When used, the current Non-sufficient Funds (NSF) fee is charged for each paid item up to the daily limit.