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Overdraft Privilege

OVERDRAFT PRIVILEGE

Overdraft Privilege is a discretionary service designed to help prevent items with insufficient funds from being returned or declined.  With Overdraft Privilege, we have the option to cover your overdrafts up to your Overdraft Privilege limit (including fees) if you inadvertently overdraw your account.

Please be aware that the Overdraft Privilege amount is not shown in your current balance, it is not a line of credit, and it does not replace existing overdraft options, such as drawing funds from another account or line of credit, which may be less expensive alternatives.

If you want us to authorize and pay overdrafts caused by ATM and everyday debit card transactions, please follow the link below. You can also visit any Heritage branch or mail your request to 1818 Florence Pike, P.O. Box 357, Burlington, KY, 41005.  You can revoke your authorization for Heritage Bank to pay these overdrafts at any time by any of the above methods (However, to revoke your authorization on our website you must use our "contact us" link which is not a secure site and is not recommended).  Your revocation must include both your name and your account number(s) so that we can properly identify your account .

What You Need To Know about Overdrafts and Overdraft Fees and your ATM and DEBIT CARDS

An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.  We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to another account or a line of credit, which may be less expensive than our standard overdraft practices.  To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

  • What are the standard overdraft practices that come with my account?

We do authorize and pay overdrafts for the following types of transactions:

  • Checks and other transactions made using your checking account number
  • Automatic bill payments

We will not authorize and pay overdrafts for the following types of transactions without your consent.

  • ATM transactions
  • Everyday debit card transactions

We pay overdrafts at our discretion, which means 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.

  • What fees will I be charged if Heritage Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $30.00 each time we pay an overdraft
  • Also, if your account is overdrawn for 7 or more consecutive business days, we will charge an additional $5.00 per day beginning on the 8th business day.
  • There is a limit of $150 per day on the total fees we can charge you for overdrawing your account
  • What if I want Heritage Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

Transactions may not be processed in the order in which they occurred and the order in which transactions are received and processed may impact the total amount of fees incurred on your account.

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (859) 586-9200, or complete the form below and send it through our secure website, present it at a branch or mail it to: 1818 Florence Pike, P.O. Box 357 Burlington, KY 41005. You can revoke your authorization for Heritage Bank to pay these overdrafts at any time by any of the above methods (However, to revoke your authorization on our website you must use our “contact us” link which is not a secure site and is not recommended). Your revocation must include both your name and your account number(s) so that we can properly identify your account.

Click here to Complete your Opt-In Notice

HERITAGE ADVANTAGE LINE

Automated Voice Response Support 24 hours 7 days a week: 859-334-4039

Heritage Bank's automated voice response system will give you access to your account information, 24 hours a day, seven days a week.  Services offered include account balances, transfers between accounts, check verification, deposit confirmation, and loan payments. On your initial call, your Personal Identification Number (PIN) will be the last four digits of the primary account holder's social security number. The system will guide you through set up. Please remember to keep your PIN confidential at all times.

SERVICE CHARGES

Effective March 17, 2014

Account Activity Printout   

$2.00

Account Balancing Assistance (per hour)   

$20.00

Account Research (per hour) 

$20.00

Account Closing (Account closed within 60 days of opening) 

$15.00 

ATM or Debit Card replacement  

$10.00

ATM Fees (if below minimum balance) 

$ 0.15 

Nonsufficient Funds (NSF) Item (each) 

$30.00 

Overdraft (each debit or check)

$30.00

Daily Overdraft Charge (after 7 business days)

$ 5.00

Deposited checks (and other items) returned unpaid                  

$ 6.00

Foreign (non-U.S.) deposit item       

$  2.00 

Stop Payment Request   

$30.00

Stop Payment Renewal Request 

$30.00 

Requested Statement (other than cycled statement)

$ 2.00

Overdraft Protection (per month)

$ 2.00

Photocopies (per copy)

$ 1.00

Fax Fees

$ 1.00

Incoming Wire Transfers

$15.00

Outgoing Wire Transfers-Domestic

$15.00

Outgoing Wire Transfers-Foreign

$45.00

Levy, Garnishment, or Attachments (per occurrence)

$75.00

Cashier Checks

$ 5.00

Money Orders

$ 3.00

Municipal Coupons (per envelope)   

$20.00

U. S. Treasury Coupons (per envelope)

$15.00

Safe Deposit Box Rental ($5 discount if auto paid from account) Sizes and prices vary in each branch. 

Contact your branch for further information.

Check Printing

Prices vary according to check style ordered

A dormant account fee of $5.00 will be charged monthly after ONE YEAR of no activity or other indication in writing from you of an interest in this account.