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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: 

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account or a link to a credit line which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

» 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 (opt-in):

  • 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 Isabella Bank pays my overdraft? Under our standard overdraft practices:

  • We will charge you a fee of up to $32 each time we pay an overdraft.
  • Also, if your account is overdrawn for 10 consecutive days, we will charge an additional $5 per day.
  • There is no limit on the total fees we can charge you for overdrawing your account.

» What if I want Isabella Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?
If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, select one of the following:

  • Fill out the Opt-In form online below
  • Call us at 800.651.9111 or 989.772.9471
  • Opt In using our telephone banking at 800.314.3340 or 989.773.1691
  • Click here to print and complete a form to present at any of our locations or mail to:

    Isabella Bank
    Attn: Deposit Operations Department 
    PO Box 100
    Mt. Pleasant, MI 48804-0100

    You have the ability to revoke your opt-in status at any time by notifying us in writing or by phone (see above).

  • OK Name is required
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  • Optional OK Phone is required
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  • OK Account Numbers: is required
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