Privilege Pay covers overdrafts from checks, ACH, Bill Pay, ATM withdrawals, and debit card transactions. Qualified checking accounts are eligible for the service on a monthly basis, and you can view your qualification amount in Online Banking or the Mobile App.
Although we do not recommend overdrawing the account on a regular basis, we understand that mistakes can happen. Privilege Pay can save you from the embarrassment of a bounced check in addition to not having to pay merchants' costly return check fees. If you choose to overdraw your account in an emergency, minimize your fees by writing only one check or making only one ATM transaction for the funds you need.