Opt-In to or Opt Out of Standard Overdraft Services

What You Need to Know about Overdrafts and Overdraft Fees

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:

This notice explains our standard overdraft practices.

1. We have standard overdraft practices that come with your account.

2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

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 do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

•  ATM transactions
• Everyday debit card transactions

We do pay everdrafts 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 Fidelity Bank pays my overdraft?
Under our standard overdraft practices:

• We will charge you a fee of $30 each time we pay an overdraft.
• We have a limit of $150.00 on the total fees we charge you for overdrawing your account on any one day.  

What if I want Fidelity Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (785) 295-2100 or complete the form attached and present it at any Fidelity Bank location, or mail to: Fidelity Bank, P.O. Box 1737, Topeka, KS 66601.