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:

  1. We have standard overdraft practices that come with your account.
  2. We also offer an overdraft protection from your Home Equity Line of Credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about a Home Equity Line of Credit.

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:

  • CNB ATM transactions
  • Everyday CNB Visa Check Card transactions

We pay overdrafts 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.

Under our standard overdraft practice, we will charge you a fee of $33 each time we pay an overdraft.

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

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (601) 484-5289 or 1-866-333-4CNB, or you can visit www.YourCNB.com/OptIn. You may also complete the form below and drop it off at any CNB location, or mail it to:

Citizens National Bank
P O Box 911

Meridian, MS 39302-9989

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______I want Citizens National Bank to authorize and pay overdrafts on my CNB ATM and everyday CNB Visa Check Card transactions.

Printed Name:________________________

Date:_______________________________

Account Number ending: ______________