The eligibility requirements for maintaining Overdraft Privilege are listed in our Overdraft Privilege Disclosure provided at account opening. You will be charged our normal overdraft or return item fee of $35 for each item that is presented for checks, in person withdrawals, ACH preauthorized items, internet and telephone banking transactions, and with your consent, ATM and everyday debit card transactions. You must bring your account to a positive balance within 30 days. Whether your overdrafts 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, or you are not making regular deposits, or you have too many overdrafts. In the event that you would not like to have this valuable service on your account, simply contact us.