Overdraft Protection

What Is an Overdraft?

An overdraft occurs when you don’t have enough money in your checking account to cover a transaction, but the transaction is processed anyway, resulting in a negative account balance.

How to Avoid Overdrafts

Kish encourages responsible use of your checking account. To avoid mistakenly overdrawing your account, we suggest that you maintain accurate records and keep track of your current balance by using Digital Banking, TeleBanking, your checkbook register, or your account statements.

To better understand checking accounts, how to manage them, and how to avoid overdrafts, see Managing Your Checking Account.

Your Overdraft Options

Kish offers three overdraft options for our personal checking accounts. Your Personal Banker can help you choose the option that’s right for you.

	Kish Courtesy Overdraft Program	Overdraft Protection Plan	No Overdraft Coverage
Description:	A discretionary overdraft coverage service⁽¹⁾ that can provide a safety net for Personal Checking Account customers. If you overdraw your checking account, Kish Bank will pay the overdraft up to an assigned overdraft limit based on your account type. New accounts are automatically enrolled in this option.	Overdraft coverage which is available to Personal Checking Account customers by linking your checking account to another one of your accounts. If you overdraw your checking account, Kish will transfer funds from your linked account to pay the overdraft. Linked accounts can include: Savings Accounts⁽²⁾ Lines of Credit⁽³⁾ Checking Accounts Money Market Accounts⁽²⁾	Transactions that exceed your available balance will generally be denied or returned.
Pays Overdrafts Up To: ⁽⁴⁾	A certain dollar amount, which varies by account type: $600 - Expect More Checking $300 - Easy Checking	The balance in the linked account	Does not generally pay overdrafts
Covers These Transactions:	Checks In-branch transactions Recurring debit card transactions ACH transactions Digital Banking account transfers and bill payments	Checks In-branch transactions Recurring debit card transactions ACH transactions Digital Banking account transfers and bill payments	—
Costs:	$37 per overdraft (Kish Courtesy Overdraft Fee), up to a maximum of 6 Kish Courtesy Overdraft Fees per day, until your overdraft coverage limit is met $0 per overdraft After the maximum of 6 Kish Courtesy Overdraft Fees per day has been reached, until your overdraft coverage limit is met $37 per returned item (Returned Item Fee) after your overdraft coverage limit is met	$10 per transfer Overdraft Protection Transfer Fee) $37 per overdraft (Overdraft Fee) if the balance in your linked account is insufficient and the Bank pays the item $37 per returned item (Returned Item Fee) if the balance in your linked account is insufficient and Bank does not pay the item	$37 per overdraft (Overdraft Fee) if the Bank pays the item at its discretion $37 per returned item (Returned Item Fee) if the Bank does not pay the item
Overdrafts are paid at the Bank's discretion, which means that 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 or returned. If your account is overdrawn, it must be brought into a positive balance as soon as possible.

(1) The Bank may revoke the Kish Courtesy Overdraft Program at any time.
(2) Subject to account transaction limitations.
(3) Based on credit approval.

Transaction Coverage

You can opt to add non-recurring debit card and ATM transaction coverage to any of these options at any time. To add this coverage:

Call 1-800-981-5474
Visit a Kish branch

To Change Your Overdraft Coverage

Change or terminate your overdraft coverage at any time by calling us at 1-800-981-5474 or by visiting any Kish branch.