Overdraft Opt-in

Standard overdraft practices

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.

Overdraft Fees

Under our standard overdraft practices:

• We will charge you a fee of $32 each time we pay an overdraft. We limit the number of overdraft fees that we charge you to 5 per day.
• Also, if your account is overdrawn for 10 consecutive business days or more, we will charge you an additional $5 per day, until you bring your account positive. There is no limit to the number of daily charges we may assess you.

How to authorize and have Isabella Bank pay overdrafts on ATM and 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
• You have the ability to revoke or change your opt-in status at any time by notifying us in writing or by phone.

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