Civista Bank’s Check Protect Overdraft FAQs
Check Protect Overdraft FAQs
1. What is Check Protect?
Check Protect is an overdraft privilege service. Your Check Protect limit amount will be
automatically assigned; however, you must specifically opt-in for Check Protect to apply to
overdrafts as a result of one time debit and ATM transactions.
2. How does Check Protect work?
As long as you maintain your account in good standing, Civista Bank may approve your
overdrafts within your current available Check Protect limit. Whether your overdraft will be
paid is discretionary and we reserve the right not to pay. For example, we typically do not pay
overdrafts if your account is not in good standing. Your account is in good standing if you (1)
demonstrate responsible account management—such as making regular deposits to bring your
account to a positive balance at least once every 30 days (including the payment of all bank
fees and charges); (2) avoid excessive overdrafts suggesting the use of Check Protect as a
continuing line of credit, and (3) there are no legal orders, levies or liens against your account.
Please note that the amount of the overdraft plus our NSF item paid fee of $33 for each item
will be deducted from your overdraft limit. No interest will be charged on the overdraft
balance.
*Please refer to the customer overdraft policy for additional details
3. How do I know when I use the overdraft limit?
You will receive an overdraft notice in the mail each time items are paid. The notice will show
the check number, amount and the NSF fee. You will need to subtract the total fees when
balancing your checkbook.
4. What is my Check Protect limit? I have two checking accounts. Can I get Check Protect on both?
Locate your account type below and make note of the corresponding limit. If you have multiple
accounts for your household, you may have a limit on all eligible accounts.
Member FDIC
Check Protect Limits
Account Type
Free Checking/Free Checking Bonus/Student Free
Checking
Interest Checking/Interest Checking Bonus
Choice/Choice 50/Choice 50 Plus
Select Checking
Business Classic
Limit
$400
$500
$500
$1,000
$2,500
5. What if I go beyond my Check Protect limit?
Overdrafts above and beyond your established Check Protect limit may result in a check or
checks being returned to the payee. The NSF item returned un-paid fee of $33 will be charged
per item and assessed to your account. An NSF notice will be sent to notify you of our actions.
6. How quickly must I repay my Check Protect?
You should make every attempt to bring your account to a positive balance as soon as possible,
and must do so within 30 days. If you are not able to bring your account to a positive balance
within 30 days you will receive a letter from Civista Bank informing you of the situation and
your options. If, thereafter, your account has not been brought to a positive balance, we may
suspend your account and take other steps to recover the funds.
7. What does my Check Protect privilege cost?
There is no additional cost associated with this privilege unless you use it. You will be charged
our NSF item paid fee of $33 for each item created by check or through in person withdrawals
and electronic transactions. ATM withdrawals and one time debit card transactions will only
apply if you opted-in to this service. (For example, up to seven paid items in one day will result
in $231.00 in NSF fees-maximum per day amount.) To help you manage your account, the total
fees you have paid for NSF items (both paid and returned unpaid) during the current month and
for the year-to-date, will be reflected on your monthly checking statement in accordance with
Federal regulations.
8. What are some of the ways I can access my Check Protect limit? Will my limit be reflected
in the balance I receive?
The chart below shows the different ways you can access your Check Protect limit and indicates
whether or not this limit will be reflected in the balance provided.
Member FDIC
Accessing your Check Protect Limit
Access Points
Teller
Writing A Check
*Visa Check Card
*ATM Withdrawal
ACH-Auto Debit
NetTeller Online Banking
Telephone Banking
Is my Overdraft Privilege Limit
Available?
Yes
Yes
Yes
Yes
Yes
Yes
Yes
Does the Balance Provided
Reflect my Overdraft Privilege
Limit?
No
N/A
N/A
No
N/A
No
No
*Note: Overdraft privilege limit is only available if you opt-in for one time debit card and ATM
transactions.
9. How soon can I use my Check Protect?
If you are a new account holder, you may be able to use the overdraft privilege service 30 days
after the account is opened, assuming you demonstrate responsible account management by
making regular deposits to maintain your account with a positive balance, and there are no
legal orders, levies or liens against your account.
10. What are some other ways I can cover overdrafts at Civista Bank?
The best way to avoid overdrafts and bounced check fees is to manage your account so you
don’t overdraw it.
However, if a mistake occurs, Civista Bank offers additional ways to cover overdrafts in addition
to Check Protect.
Covering Overdrafts
Ways to Cover Overdrafts at Civista Bank
Good Account Management
Transfer from Savings Account
Check Protect
Associated Fees
$0
$7 Transfer Fee
NSF Item Paid Fee of $33 per Item (Maximum of
7 Items per Day)
Member FDIC
11. What if I do not want to have Check Protect on my checking account?
Check protect costs you nothing unless you use it. However, if you would like to have this
service removed from your account, please call our customer service department at 800-6049368.
Member FDIC