1 If we pay the check or debit, the negative balance will constitute a loan to you and must be paid back immediately. 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.
2 If any individual transaction causes your account to be overdrawn by $5 or less, the overdraft fee will be waived.
3 You may still be charged for returned items.
NOTE: When an item is presented against insufficient funds generally Liberty Bank will access funds as applicable in the following order before returning an item: (1) Overdraft Savings Account; (2) Overdraft Line of Credit; (3) Courtesy Pay.