• 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.

You will be charged service fees for insufficient funds as appropriate. Checks that are paid through the Overdraft Privilege enable you to avoid the additional expense of another fee charged by the business to whom the check was returned.

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.