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 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 and checking account or to a line of credit, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

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.

What fees will be charged if the bank pays my overdraft?
Under our standard overdraft practices:
- We will charge you a fee of up to $30.00 each time we pay an overdraft.
- If your account is overdrawn for 3 or more consecutive business 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 the 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,
- Visit your local branch and sign the opt-in form
- OR, print out and complete the Opt-In form (click here) and present it at any of our locations or mail:                                              

Colorado		California
Community Banks of Colorado 5570 DTC Parkway Greenwood Village, CO 80111		Community Banks of N. California 2140 W. Grant Line Rd. Tracy, CA 95377

- Or, send us an email saying:

"yes, I want Community Banks to authorize and pay overdrafts on my ATM and Debit Card transactions."

IMPORTANT include your name and branch, but for security reasons do not include personal account information