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.
We do authorize and pay overdrafts for the following types of transactions:
We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:
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 $36 each time we pay an overdraft. If your overdraft balance is less than $5, an overdraft fee will not be charged. A maximum of six overdraft fees will be charged per day.
If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, simply click on the Opt In link below to fill out your secure opt in form. You can also call us at 601.693.1331 or 1.866.333.4CNB, visit any of our locations, or print this form and mail it to:
Citizens National Bank
PO Box 911
Meridian, MS 39302-9989
If you do not want this overdraft service, opt out here.