Fidelity Bank offers our personal account customers Standard Overdraft Services that may allow ATM and everyday check card purchases to be approved, at our discretion - even if there isn’t enough money in your account. This service offers you several advantages, including:
Unless you provide us with your authorization, we cannot provide you with this valuable service. We have three convenient ways for you to sign up. Please select one of the following options:
If you authorize Fidelity Bank to pay your ATM and check card transactions, business will continue as usual on all of your regular transactions. If you initiate a check card or ATM transaction that could cause your account to fall into a negative balance, we have your permission to honor that transaction and a fee may be charged.
Your authorization provides important protections. If you are running short of cash, or simply make a mistake in your checking account and need a few extra days before your next deposit, your authorization gives us permission to approve your transaction while in line at the grocery store or while dining at your neighborhood restaurant. Your authorization does not guarantee that the bank will cover every transaction that may take your account to a negative balance, however, Fidelity Bank will continue to honor these transactions whenever possible.
No. Whether a transaction will be paid is discretionary and we reserve the right not to pay. Most overdrafts are paid but there is no guarantee. The amount of overdraft services will vary based on your account history, deposit and spending patterns.
Yes. You will pay a $34 fee* each time you use your check card and don’t have sufficient funds in your account, once the overdrawn balance exceeds the $5* grace limit. There is a maximum daily limit on NSF fees of 10* items per day.
If you do not explicitly authorize Fidelity Bank to pay overdrafts on your ATM and check card, we cannot, under any circumstances, pay an ATM or check card transaction that causes your account to reach a negative balance. If there are insufficient funds in your account, the transaction will be declined and you will not be able to use your check card. To complete the transaction, you will need another method of payment such as a check, cash, or credit card or you may void the transaction altogether.
No. This change only affects everyday or one-time debit card transactions and ATM withdrawals that overdraw your account. Fidelity Bank will continue to authorize and pay items from checks, bill payments, recurring automatic payments using your debit card (such as gym memberships or utilities that draft automatically from your debit card), and other transactions made using your checking account number that overdraw your account, at our discretion.
No. It only affects Personal accounts.
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