• A Financial resource that can cover your overdraft checks
• Heritage Bank’s convenient response to your unexpected banking needs
• A valuable enhancement to your banking relationship
• Not a promise…but a privilege … to you our customer!

We can save you the expense and embarrassment of having your checks returned. The Overdraft Privilege does just that.

As long as you maintain your account in good standing, Heritage Bank may elect to pay your overdraft checks up to a pre-approved limit rather than returning them unpaid.

Accounts will be charged the standard Overdraft fee of $30.00 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $30.00 for items returned. If your account balance remains overdrawn for longer than 7 days, the account will be charged a daily overdraft fee of $5.00 for each of the consecutive calendar days the account remains overdrawn, beginning with day 8. An overdrawn balance must be repaid within 30 days. We may not pay items under your overdraft privilege if you do not maintain your account in good standing by bringing your account balance to a positive balance within every thirty (30) day period for a minimum period of 24 hours, if you default on any loan or other obligation to Heritage Bank or if your account is subject to any legal or administrative order or levy.

How to get the Overdraft Privilege
You do not have to do anything other than keep making your deposits—what could be easier?

What happens if I make mistakes?
We have a program for you to be able to continue using your checking account with us while you cover your overdraft amount. We want to keep you as a customer and to help you repay any outstanding amount. Ask one of our friendly, professional staff how we can help.