Overdraft Protection Plans

Eliminate any worry about insufficient funds and multiple fees by transferring funds to your checking account from any of the following account types: INTRUST Savings, Money Market or Other Checking Account. Funds are withdrawn from your savings, money market or other checking account as needed. Small transfer fee applies. To designate an account or accounts for overdraft protection, contact Customer Service.

View our Overdraft Protection Service Terms for Using Your Savings, Money Market, or Checking Account

Bounce Blocker1

On the occasion you find yourself a little short in your account, INTRUST Bounce Blocker1 can save you the cost and inconvenience of returned checks or declined transactions.

If you are handling your account in a responsible manner, we may consider, at our discretion, providing Bounce Blocker on your account and paying items that overdraw your account.2 INTRUST Bounce Blocker may be activated when your account is overdrawn by writing a check; making an in-person withdrawal or an automated payment; or other transaction using your checking account number.3

We may also pay, at our discretion, ATM transactions and debit card transactions if you have opted in for this service.4

If we have previously paid one of your items into overdraft, we cannot guarantee that we will pay future items into overdraft.5

If you enroll in an overdraft protection plan, INTRUST Bounce Blocker will be secondary to this service.

Opt in or out of Bounce Blocker

Ways to Avoid Overdrafts

 

The easiest way to avoid overdrafts is be cautious not to spend more than you have in your account. Here are a few ways to help keep your account balance in check.

  • Monitor your account activity with INTRUST Personal Online and Mobile banking. You can access your account 24 hours a day, 7 days a week for a comprehensive view of your account activity.7
  • Use online banking to set up email and text alerts for when your account has reached a set minimum balance threshold.
  • Keep track of fees or interest that may be applied to your account by reviewing your statement each month.

Frequently Asked Questions

What are the different options if I want payments paid when there is not enough money in the account to cover them?
Answer: You can link your checking account to another account such as a savings account, money market account or other checking account. A small transfer fee will apply. You are charged a per item overdraft/non-sufficient funds fee of $35 and a continuous overdraft fee of $5 per business day, if applicable, which causes the overdraft for the coverage. These fees of $35 and $5 for ATM and one-time debit card transactions will only be charged on your consumer account if you have agreed to such fees.
Why do banks pay overdrafts?
Answer: Banks pay overdrafts because people often are willing to pay a fee to have payments made, even if they don't have enough money in their account, in order to avoid the inconvenience, additional merchant fees, and embarrassment. For example, you may want the bank to pay a check or electronic or automatic payment made because if it is returned, you might have to pay a fee to the payment recipient and also because in the future, your checks or electronic and automatic payments may no longer be accepted. People may also want their ATM and other debit card transactions paid in order to avoid embarrassment or to help them in an emergency.
What happens if I do overdraft?
Answer: An overdraft occurs when you write a check or use your debit card for a purchase that you don't have enough money in your checking account to cover. Some banks provide a discretionary overdraft privilege service. INTRUST does too, and we call it Bounce Blocker®.
What if I do not want funds automatically advanced to cover an overdraft in my account?
Answer: If you do not want the bank to pay overdrafts on your account using our overdraft protection service, Bounce Blocker, you may opt out of the service by visiting any INTRUST Bank locations or by phone.
Why should I routinely manage my checking account?
Answer: As a checking customer, it's important to monitor your account regularly to track purchases and deposits in order to maintain a positive balance. Doing so also enables you to keep an eye out for unauthorized access to your account and to catch potential fraud issues early.
When should I make a deposit to avoid an overdraft?
Answer: Our cutoff time for deposits varies by location, but is usually 6 pm or 8 pm weekdays. The cutoff time for Online Banking is 10 pm and 8 pm for Mobile Check Deposit. If you make a deposit prior to the cutoff time, it will count on that same day's business. If you conduct transactions or make a deposit on a weekend or holiday, it will apply to the next day's business until the appropriate cutoff time.
Can you charge a fee for paying an ATM or everyday debit card transactions if I do not have funds in my account?
Answer: Regulation requires that you must expressly agree, that is, "opt-in," before the bank may charge you a fee for paying an ATM or everyday debit card transaction that will cause an overdraft on the account.
What if I overdraft and haven't opted in for debit card and ATM transactions?
Answer: In that event, INTRUST will most likely decline the transaction.
If I opt in, will the bank always pay my ATM and debit card transactions?
Answer: No. Our standard overdraft service is an accommodation provided at the bank's discretion. Unless you have signed up to link your checking account to another account such as a savings, money market, or other checking account, the bank does not guarantee that your ATM and debit card transaction will be paid even if you opt in.
If I do NOT opt in, does it mean that I will never overdraw my account using my debit card?
Answer: No. There are limited circumstances (such as authorized debit card transactions) when it will not be possible for the bank to avoid paying an ATM or other debit card transaction you made, even if there is not enough money in your account. You should not assume that because the ATM or other debit card transaction goes through that there is enough money in your account to cover it. If the overdraft is caused by an ATM or everyday transaction using your debit card, the bank may not charge you an overdraft fee, but you must still repay the bank to cover the overdraft. If the overdraft is caused by a recurring payment using your debit card, you will be responsible to pay an overdraft fee in addition to repaying the bank to cover the overdraft. The bank will rely on each merchant to code the transaction as a recurring or everyday payment.
How does INTRUST know my debit card transaction is a one-time, everyday transaction versus a recurring transaction?
Answer: The type of debit card transaction is determined by a special code the merchant submits with the payment transaction. If the merchant codes the transaction incorrectly, INTRUST will not know and will process the transaction as instructed.
Are there fees if I opt in?
Answer: Yes, you will pay a per item overdraft/nonsufficient funds fee of $35 for each transaction that overdraws your account, with a maximum of (5) per day. Also, if your account is overdrawn for 10 or more consecutive calendar days, we will charge a continuous overdraft fee of $5 per business day for a maximum of 45 days.
How do I opt in for the bank to pay ATM and one-time debit card transactions?
Answer: You can opt in online at intrustbank.com/optin, in person at any Banking Center or by contacting us. You can change your mind at any time.
May I opt in at the time of the debit card transaction?
Answer: No. You must opt in in advance. INTRUST is required by regulation to provide you written confirmation of your opt in request and will not change your account record until that confirmation is sent. If you think you will want your ATM and debit card overdrafts paid and are willing to pay for it, you should opt in before you need it.
INTRUST sometimes pays my checks, ACH (automated payments) or recurring debit card transactions even if I do not have enough money in the account. If I do not "opt-in," will INTRUST still continue, at its discretion, to pay checks, ACH or recurring debit card transactions even if I do not have enough money in the account?
Answer: INTRUST may continue paying checks, ACH or recurring debit card transactions at our discretion without prior notice to you.1 Many of our customers appreciate knowing their important checks and payments may be paid even when their account balance falls a little short (some recurring debit card transactions may not be paid without your consent). It ensures they will avoid costly fees and credit dings.
What about automatic bill payments that I have arranged to be paid through my debit card? If I do not opt in, will they always be returned if there isn't enough money in the account?

Answer: Automatic bill payments made through the debit card will likely be declined if you have not agreed to pay a fee to have ATM and debit card overdrafts paid.

  1. You may opt out of Bounce Blocker by visiting any INTRUST Bank location or by phone.
  2. If you have insufficient funds in your account for a transaction and Bounce Blocker funds are used, the funds will be automatically advanced. You will not receive prior notice of the advancement of funds, the overdraft of your account, or the charging of the overdraft fee(s).
  3. If you have insufficient funds in your account for a transaction and Bounce Blocker funds are used, the funds will be automatically advanced. You will not receive prior notice of the advancement of funds, the overdraft of your account, or the charging of the overdraft fee(s). Your account will be charged a per-item overdraft/non-sufficient funds fee of $35 and a continuous overdraft fee of $5 per business day, if applicable. These fees of $35 and $5 for ATM and one-time debit card transactions will only be charged on your consumer account, if you have agreed to such fees. Multiple fees may apply. Fees are included in the daily account limit.
  4. Your account will be charged a per-item overdraft/non-sufficient funds fee of $35 and a continuous overdraft fee of $5 per business day, if applicable. Multiple fees may apply. Fees are included in the daily account limit.
  5. Transactions will not be processed in the order in which they occurred. Order of processing will affect the total amount of overdraft fees. Please refer to the Deposit Agreement for additional information on Processing. You agree to pay us the amount of any overdraft, including fees, immediately.
  6. Transactions will not be processed in the order in which they occurred. Your account balance may not reflect unprocessed ATM and debit card transactions, checks you have issued but have not reached the bank or any additional purchases or transactions which you have made but have not reached the bank. A portion of your balance may not be available for immediate withdrawal. Please refer to the Deposit Agreement for additional information on Processing. Order of processing will affect the total amount of overdraft fees. You agree to pay us the amount of any overdraft, including fees, immediately.
  7. Transactions appearing on Online Banking or Mobile Banking will not be in order in which they will be processed. Transactions will also not be processed in the order in which they occurred. Your account balance appearing on Online Banking or Mobile Banking may not reflect unprocessed ATM and debit card transactions, checks you have issued but have not reached the bank or any additional purchases or transactions which you have made but have not reached the bank. A portion of your balance may not be available for immediate withdrawal. Order of processing will affect the total amount of overdraft fees.