Deposit Accounts

Overdraft Options

OVERDRAFT COVERAGE OPTIONS:

OVERDRAFT PROTECTION AND Overdraft Privilege

Carroll County Trust Company understands that unexpected overdrafts occur from time to time. Overdraft Coverage can help.

 

       Overdraft Coverage Options 

          The choice is yours. Consider these ways to cover overdrafts.

 

Service

Cost

Overdraft Protection link to another deposit account you have at Carroll County Trust Company1

No fee per transfer

Overdraft Protection Line of Credit1, 2

Subject to finance charge

Overdraft Privilege Standard or Extended Coverage

$37.50 Overdraft Fee per item presented*

       

      1Call us at (660) 542-2050, email us at contactus@cctconline.com, or come by a branch to sign up or apply for these services;

      2Subject to credit approval.

 

      *Per item presented means each time an item is presented, including re-presentment.

 

      Overdraft Protection

       Another account or line of credit you may have at Carroll County Trust Company.

       Please note that overdraft lines of credit are subject to finance charge and credit approval.

 

      Overdraft Privilege

       Allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction.

       Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage

       if the other protection source is exhausted. 

       Please review What Else You Should Know for other important information.

 

Transactions Covered with Overdraft Privilege

Standard Coverage
(No action required)

Extended Coverage

*Your consent required*

If you would like to select Extended Coverage for future transactions:


  • call us at (660) 542-2050
  • complete the online consent form found here
  • visit any branch
  • complete a consent form and mail it to us at PO Box 187, Carrollton, MO 64633-0187
  • email us at: contactus@cctconline.com

Checks

X

X

ACH - Automatic Debits

X

X

Recurring Debit Card Transactions

X

X

Online Bill Pay Items

X

X

Teller Window Transactions

X

X

ATM Transactions

 

  X*

Everyday Debit Card Transactions

 

  X*

 

 

    *If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included

     with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended Coverage, it is not necessary to

     request it again.

     Business accounts automatically have Extended Coverage. 

 

                                                                        If you want to discontinue Overdraft Privilege in its entirety, contact us at (660) 542-2050 or email us at contactus@cctconline.com.