Products / Services Overdraft Privilege

Overdraft Privilege

PrimeTrust Financial prides itself on member service. To prove that, we offer Overdraft Privilege to enhance the value of your checking account. For members who are eligible, we will generally pay your overdraft items up to $350 instead of declining the ATM or Debit Card transaction. You will be charged a $26 Overdraft Privilege Fee for each overdraft transaction. By allowing overdrafts, you may be saved the embarrassment that accompanies having your ATM or Debit Card declined and the time it takes to write a check.

If you want PrimeTrust Financial to authorize and pay overdrafts on your ATM and everyday Debit Card transactions, you must complete the Opt-In Form and return it to any branch. Even if you had this service in the past, you must complete and return the form. Forms are available for download or at any branch.

The Federal Reserve Board has made changes to the Electronic Fund Transfer (EFT) Act. The EFT Act governs your Debit Card and ATM Card rights and responsibilities. The amendment will change how financial institutions, including PrimeTrust Financial, must handle an ATM transaction or an everyday Debit Card transaction that might cause an overdraft in your account. The new amendment does not apply to share drafts or recurring Debit transactions, such as monthly health club dues.

Contact PrimeTrust Financial

Feel free to contact us with any questions or comments. Any sensitive or personal information should not be sent via email. Please contact our live 24-hour Call Center at 765-289-2148 or 1-800-459-5585.