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Personal Overdraft Protection

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You have choices when it comes to protecting your accounts. Review our Overdraft Protection options or speak with a representative to find the solution that’s best for you.



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Overdraft Transfer
from a Deposit Account 		Overdraft Transfer
from a Line of Credit1 		Personal Reserve Account1 Overdraft Coverage Program2
How do I enroll? Complete the authorization form and return it to your local branch.
  • Automatic enrollment for check, ACH and recurring debit card transactions.

  • Optional enrollment required for coverage on ATM and everyday debit card transactions.
    		•
    Does my coverage include ATM and everyday debit card transactions? Yes Yes Yes You must complete the optional enrollment for coverage on ATM and everyday debit card transactions.
    What fees apply?3
    $10 per transfer $2 per transfer $2 per transfer

    If sufficient funds are not available to transfer, a standard $35 Overdraft Fee or Returned Item Fee will be charged. Continuous Overdraft Charges may apply.

    $35 Overdraft Fee if you overdraw your account by more than $10 on one business day. Continuous Overdraft Charges may apply.4
    What is my protection amount? Up to available account balance Up to available credit limit Up to available credit limit Limit is dynamic and varies based on account activity
    What are the transfer increments? $50 or balance of account, whichever is less $50 or available credit limit, whichever is less $50 or available credit limit, whichever is less Exact amount of the transactions, plus related fees
    Which additional overdraft protection options can be added?5 Any one of the following:
  • Overdraft Transfer from a Line of Credit
  • Personal Reserve Account
  • Overdraft Coverage Program
    		•  Overdraft Transfer from a Deposit Account Overdraft Transfer from a Deposit Account Overdraft Transfer from a Deposit Account
    Can I cancel? You may cancel your enrollment at any time. You may change or cancel your enrollment as follows:
  • Cancel all coverage
  • Opt-out or opt-in at any time for coverage for ATM and everyday debit card purchases
    		•

    1 Subject to eligibility requirements and credit approval. Interest will accrue on amounts advanced and at the interest rate stated in the line of credit or Personal Reserve Account agreement. Lines of credit and Personal Reserve Accounts may be subject to additional charges; see line of credit or Personal Reserve Account agreement for details.

    2 The Overdraft Coverage Program is a discretionary service. Columbia Bank is under no obligation to pay items when your account has non-sufficient funds (NSF), even if previous NSF transactions were paid. Columbia Bank reserves the right to require you to pay an overdraft immediately. Columbia Bank typically does not pay overdrafts if your account is not in good standing or you are not making regular deposits. Certain account type(s) are ineligible for the Overdraft Coverage Program. Please see account brochures for more information.

    3 If you overdraw your account by more than $10 on one business day, you will be charged a fee of $35 for each check, in person withdrawal or electronic item we pay or return and your account becomes subject to Continuous Overdraft Charges, if applicable. A $5.00 Continuous Overdraft Charge will be charged on the first business day after the account is both: (1) overdrawn for five business days and (2) overdrawn by more than $10.00. The fee will continue to be charged on each business day thereafter until the account is no longer overdrawn by more than $10.00 or is charged off and closed. Overdrafts by Bank service charges or fees can cause Continuous Overdraft Charges. For personal accounts, the maximum of combined Overdraft Fees, Returned Item Fees and Continuous Overdraft Charges an account may be charged in one business day is $180. See Deposit Account Agreement and Services and Fees Schedule for full details. Account type(s) which are ineligible for the Overdraft Coverage Program will not be charged Overdraft Fees Returned Item Fees, or Continuous Overdraft Charges, please see account brochures for more information.

    4 Overdraft fees, including Continuous Overdraft Charges, for overdrafts caused solely by ATM and/or everyday debit card transactions do not apply if you do not authorize coverage for these types of transactions.

    5 If you have authorized Overdraft Transfer from a Deposit Account and you are enrolled in the Overdraft Coverage Program, funds from the deposit account you selected will be used first to cover the overdraft. If you have authorized both Overdraft Transfer from a Deposit Account AND Overdraft Transfer from a Line of Credit or Personal Reserve Account, you must specify the order of coverage.

    See Deposit Account Agreement and Services and Fee Schedule for details.



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