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Overdraft protection has changed
Nevada State Bank offers a variety of overdraft options
Opting-in to Courtesy Approval allows us to apply our standard overdraft practices to your ATM and debit card transactions.
You can link your checking account to a savings, money market, secondary checking, or overdraft line of credit*. Funds are transferred as needed in $25.00 increments, but if there are not enough funds in the account to cover the overdraft, the transfer will not take place. A fee is charged each time a transfer is made.
You can also choose both Courtesy Approval** and Overdraft Protection* for a double layer of overdraft protection.
Click here for additional information on preventing overdrafts.
It may allow you to make a debit card purchase even when there is not enough money in your account to cover the transaction. This feature will be especially useful if you are faced with an unexpected, immediate expense Ė an emergency car repair, for example. It may also save you embarrassment at the check-out line.
Our standard overdraft practices will apply to checks and automatic payments from your checking account, but ATM and one-time debit card transactions will be declined if you do not have enough money in your account to pay them.
As a courtesy, from time to time, we may authorize transactions that will cause an overdraft on your account.* These transactions may be paid at our discretion, which means that we do not guarantee that we will always authorize and pay any type of transaction.
Will opting-in to Courtesy Approval cover me if I bounce a check? How can I make sure checks are covered?
Courtesy Approval is not overdraft protection, and only applies to ATM and one-time debit card transactions. If you are concerned about overdrafts, or covering other types of transactions such as checks or ACH withdrawals, you should also consider one of our overdraft protection products.
• Reddi-Reserve is a revolving line of credit that links to your account (subject to credit approval).
It costs nothing to enroll. In fact, there are no costs at all if you never use your overdraft protection plan. If you do, the cost may be less than that of insufficient funds charges. Plus, you avoid any merchant costs you might incur–for example, returned check fees. To cover your account or find out more about overdraft protection:
• Call 800-727-4743 or • Stop by any Nevada State Bank branch
To cover your account or find out more about overdraft protection:
|*For information about overdraft fees, ask your banker or click here to read the Consumer Accounts Disclosure and Fee Schedule.
**Fees and interest may apply when overdraft security options are used.
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