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Overdraft Protection Options


Overdraft Protection Options


An overdraft occurs when you don't have enough money in your account to cover a transaction, but we pay it anyway. Considering the alternative, it's best to have coverage and never need it. We can cover your overdrafts in two different ways:

  1. Overdraft protection plans are available options to our checking accounts. These options include linking a checking account to a savings, money market, or other checking account and may be less expensive than our standard overdraft services. Learn more.
  2. Standard overdraft service (INTRUST Bounce Blocker) At our discretion, Bounce Blocker may automatically(1) apply to your checking account. This service permits the bank to authorize and pay overdrafts at its discretion for: checks; in-person withdrawals, recurring debit card transactions or other automated payments; or other transactions made using your checking account number(2). INTRUST, at its discretion, may pay any ATM or one time debit card transaction into overdraft if you have opted for this service.(3) Bounce Blocker permits us to help you cover an unexpected expense or avoid the embarrassment that may be caused by a recordkeeping error.(4) Of course, paying an overdraft does not obligate us to pay future overdrafts.(5) Learn More | Opt In

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

(1) 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.
(2) 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.
(3) 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 for ATM and one-time debit card transactions on your consumer account, if you have agreed to such fees. Multiple fees may apply. Fees are included in the daily account limit.
(4) Transactions will not be processed in the order in which they occurred. 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. 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) You may opt out of Bounce Blocker by visiting any INTRUST Bank location or by phone.


Contact us to learn more.

For more information about Overdraft Protection Options, contact Customer Service.



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