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Personal Overdraft Protection Options

 

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

Complete the authorization form and return it to your local branch

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 $33 Overdraft Fee or Returned Item Fee will be charged. Continuous Overdraft Charges may apply

$33 Overdraft Fee
If you overdraw your account by more than $10 on one business day. Continuous Overdraft Charges may apply4

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 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.

3 If you overdraw your account by more than $10 on one business day, you will be charged a fee of $33 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. Total Continuous Overdraft Charges in a single overdraft period are limited to $80.00. 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 $170. See Deposit Account Agreement and Services and Fees Schedule for full details.

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 multiple overdraft protection options, overdraft protection is processed in the following order: 1. Overdraft Transfer from a Deposit Account; 2. Personal Reserve Account or Overdraft Transfer from a Line of Credit or Overdraft Coverage Program, as applicable.

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