About TrustBank - Learn more about TrustBank, including our Locations and Hours and Mission Statement. Business - TrustBank solutions for small businesses. Personal - TrustBank solutions for individuals.



MyTrustBank™

Online Visa Credit Card
Deposit Interest Rates


ContactUs

Phone: (800) 766-3451

Email: info@trustbank.net

Follow TrustBank on:

FacebookTwitter

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:

  • We have standard overdraft practices that come with your account.
  • We also offer overdraft protection plans, such as a link to a savings account or personal line of credit, which may be less expensive than our standard overdraft practices.  To learn more, ask us about these plans.

This notice explains our standard overdraft practices.

 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 pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transactions.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if TrustBank pays my overdrafts?

Under our standard overdraft practices, we will charge you a fee of $30.00 each time we pay an overdraft. There is no limit on the total fees we can charge you for overdrawing your account.

What if I want TrustBank 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 800-766-3451, stop by any TrustBank location, or complete and submit the form below.

Please type an "X" in the appropriate box below, and fill out your First Name, Last Name, Acct #, and Date. Click the Submit button to complete enrollment.

No, I do not want TrustBank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

Yes, I want TrustBank to authorize and pay overdrafts on my ATM and everyday debit card transactions.

First Name
Last Name
Acct #
Date

 
 

Features

FAQ Open Accounts Online


paperless

iSavings


MEMBER FDIC | Equal Housing Lender | Member CBAI | Member AzBA | Member ICBA
Legal Terms and Conditions | Fees | Copyright © 2010 TrustBank™. All Rights Reserved.
Privacy Statement | Customer ID Program | TrustBank™ is a Trademark of Rich Land Bancorp, Inc. and is registered in the States of Illinois #084194 and Arizona #50890.

TrustBank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through December 31, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. TrustBank's NOW Accounts are excluded from this program. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under FDIC's general deposit insurance rules.


¹ iChecking - Earn 7.00% APY (Annual Percentage Yield) on balances up to $1,000.00 and 0.20% APY on balances over $1,000.00 when each of the following criteria are met each month: 1 Direct Deposit, 2 Bill Pays or automatic payments, 10 debit card purchases, receive E-Statements, and access Online Banking at least one time.  If any of the criteria are not met, 0.02% APY will be paid on the entire balance. Rates are effective as of July 1, 2009 and are subject to change.