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Overdraft Services

Overdraft Protection


Overdraft Protection is available on all checking accounts(1). It allows you to link your savings or money market account to your checking account. In the event your checking account would not have a sufficient available balance to process any transaction, we will transfer available funds from your designated account to cover the item(s). This product has no maintenance fee and is only $5.00 per transfer per occurrence. This is a great way to avoid an overdraft fee as well as other fees associated with bouncing a check.

Clients who have Home Equity Line of Credit loans can link their line of credit to their checking account(1). In the event your checking account would not have a sufficient available balance to process a transaction, we will transfer available funds from your Home Equity Line of Credit to cover the item(s). There is only a $10.00 fee for this service per occurrence, however all terms of your Home Equity Line of Credit will apply. This is also a great way to avoid an overdraft fee as well as other fees associated with bouncing a check.

Overdraft Privilege


Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction.

  • Overdraft Privilege limits of up to $500 are available for eligible Personal Checking accounts opened at least 30 days in good standing and up to $1000 for eligible Business Checking accounts opened at least 60 days in good standing. Personal Checking accounts open over three years are eligible for a $750 limit.
  • Overdraft Privilege is not a line of credit; it is a discretionary overdraft service that can be withdrawn at any time without prior notice.
  • Overdraft Privilege may be discontinued if you default on any loan or other obligation to the bank, your account becomes subject to any legal or administrative order or levy, or if you fail to maintain your account in good standing by not bringing your account to a positive balance within 32 days for a minimum of one business day.
  • PyraMax Bank will charge you a fee of up to $35.00 each time you pay an overdraft created by checks, ACH, Point-of-Sale, ATM withdrawals, in-person withdrawals, or by other electronic means.
  • Depositor and each Authorized Signatory will continue to be liable, jointly and severally, for all overdraft and fee amounts, as described in the Deposit Account Agreement and Disclosure. The total (negative) balance, including all fees and charges, is due and payable upon demand.

If you have any questions about Overdraft Protection or Overdraft Privilege, please call or visit your local branch.

 

1. The HSA Checking is not eligible for these products.

2. Limit of $1,000. Annual Fee: $15. Draw Fee: $10. Interest Rate: 18% APR. Minimum Draw: $50.

Repayment: You may pay off your entire balance at any time, but minimum monthly payment should be $25 plus interest and fees or less if your outstanding balance is less. We will automatically deduct the minimum payment from the account. If you do not have sufficient funds to cover the minimum monthly payment, then they will be assessed a late payment fee of $10.

 

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