- Routing Number: 103100739
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- (866) 385-3444
Overdraft Services
Overdrawing your account (spending more money than is in your account) can be a costly mistake. An overdraft occurs when a transaction is posted to an account which causes the available balance to be less than $0. It’s always better not to overdraw your account in the first place, but if you occasionally have trouble tracking the balance in your account and have ever overdrawn your account, you may want to consider Overdraft Protection.
Features:
It is never a good idea to overdraw your account. But for those times when you make a mistake and become overdrawn, having Overdraft Protection may help:
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Decrease the risk of returned payment fees from merchants or retailers
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Reduce unanticipated fees associated with being overdrawn, such as late payment fees
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Ensure your bills and other transactions are paid as scheduled
Overdraft Protection |
How It Works |
Your Responsibility |
What To Do Next |
|---|---|---|---|
No Overdraft Service |
- Overdraft services are optional |
- Manage your account responsibly |
Call us during our business hours at 866-385-3444 or write to us at PO Box 2009, Lawton, OK 73502-2009, or visit any CNB branch. Our customer service business hours are Monday through Friday, 8:00 AM to 6:00 PM, and Saturday, 9:00 AM to 4:00 PM, excluding federal holidays. |
Pre-Authorized Overdraft Transfers (Transfers) |
- Money is transferred automatically from your linked City National Bank checking, savings or money market account |
Transfers are completed in increments of $100 (Ex. $100, $200, $300, etc.) |
|
Overdraft Protection |
This service can be costly. - At our discretion, we pay checks, automatic bill payments and other transactions that overdraw your account |
- $25 Overdraft Item Fee per transaction - Not to exceed five overdraft fees per day ($125) - Every withdrawal, check, ATM withdrawal or any other electronic transaction, on an overdrawn account will be charged an overdraft fee |
PRE-AUTHORIZED OVERDRAFT TRANSFERS
Pre-Authorized Overdraft Transfers (Transfers) are a convenient way to transfer funds from another CNB account into your checking account before it
becomes overdrawn. You must enroll before your account is overdrawn. Transfers must be made from a savings, money market, or additional checking
account. Transfers are completed in increments of $100. Funds may be transferred in a lesser amount according to the available balance of the account to be
debited. Certain account types may have restrictions on the number of monthly withdrawals or transfer. Overdraft Protection will be utilized prior to
Pre-Authorized Overdraft Transfers when an account has both Overdraft Services set up on the account.
OVERDRAFT PROTECTION
Each overdraft paid or returned is subject to a fee ($25), not to exceed five overdraft fees per day ($125), and will be deducted from your available Overdraft Protection limit. Every withdrawal, check, ATM withdrawal or any other electronic transaction, on an overdrawn account will be charged an overdraft fee. Overdraft fees will not be assessed if the end of day balance is overdrawn by less than $5. Overdraft items in excess of your limit may be paid or returned at the Bank’s discretion and assessed a fee. Even if Overdraft Protection is available, this does not guarantee all items that overdraw the account will be paid.
The overdrawn balance must be paid in full within 30 days after the first overdraft occurs and the account must remain positive for at least 1 business day or Overdraft Protection will be suspended from your account during our regular removal process.
View Terms and Conditions
View Overdraft Protection Opt-In Form
