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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 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.

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

What fees will I be charged if Kentucky Neighborhood Bank pays my overdraft?
Under our standard overdraft practices:

  • We will charge you a fee of up to $33.00 each time we pay an overdraft.
  • Also, if your account is overdrawn for 3 or more consecutive days, we will charge an additional $5.00 per day.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Kentucky Neighborhood 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 after August 15, 2010 please input the information requested below or contact us at 270-737-6000. A form must be completed for each account. This change in overdraft practice does not apply to business checking accounts.

I want Kentucky Neighborhood Bank to authorize and pay overdrafts effective August 15, 2010 on my ATM and everyday debit card transactions.
   
I do not want Kentucky Neighborhood Bank to authorize and pay overdrafts effective August 15, 2010 on my ATM and everyday debit card transactions.
   
Date: 5/23/2015
Name:
   
Checking Account Numbers (if applicable)
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