Overdraft Protection

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:

• We have our Overdraft Privilege Program that comes with your account. See Customer Disclosure for details on the limits of the Overdraft Privilege Program on your account.
• We also offer sweep accounts, which can link your checking account to other accounts you are an owner of to cover any transactions that would otherwise overdraw your account. This service may be less expensive than our Overdraft Privilege Program.

Our Standard Overdraft Practices

Once your account has been opened a minimum of 60 days and is in good standing, we do authorize and pay overdrafts on the following types of transactions:

• Checks and other transactions made using your checking account, such as ACH payments
• Automatic bill payments
• ATM transactions
• Everyday debit card transactions

As required by federal regulation, after August 14, 2010, we will 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.

Our Standard Overdraft Fees

• We will charge you a fee of $25.00 each time we pay an overdraft.
• There is no limit on the total fees we can charge you for overdrawing your account.

To Enroll in Overdraft Protection

By Phone

Our customer service representatives are standing by if you prefer to make your choice by phone. Please call (512) 858-5159

By Mail

If you prefer to make your choice by mail, please print this form and send it to:
Cattleman's National Bank, Attention: Customer Service, P.O. Box 1243, Dripping Springs, TX 78620

In Person

Sometimes it's easier to talk about things in person. Please visit our lobby and ask a new accounts representative to help you decide which plan is best for you.