Checking

Overdraft Solutions

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Avoiding Overdraft Fees

To avoid overdraft fees, keep accurate records of your account activity so that you don't accidently spend more than the balance in your checking account. Don't forget debit card authorizations are approved based on your available balance less any authorizations or deposit holds. You can manage your account at no cost. Just use the convenience of online banking or our voice response system to move money from your savings to checking before an overdraft occurs. If you need assistance in using these services please contact our office at 225-761-5111 and ask for online or telephone access to your accounts.

Don't forget to record:

  • Checks
  • ATM Withdrawals
  • Debit Card Transactions
  • Automatic Debits

How are overdrafts handled?

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. There is a $25.00 charge for non-sufficient funds whether it is paid or returned.

We may authorize and pay overdrafts for the following types of transactions:

  • Checks and other ACH transactions made using your checking account number
We do not authorize and pay overdrafts for the following types of transactions:
  • ATM transactions
  • Everyday debit card transactions

How can I avoid paying an NSF fee, having my check returned, or my debit card transaction denied?

Overdraft Transfer Plan

We can link your checking account to your savings account so in the event that you overdraw your money will automatically be transferred to cover the overdraft. There is a nominal overdraft transfer fee for each transfer. You must complete an overdraft transfer request to take advantage of this service. Contact one of our Financial Services Representatives for more information..

Overdraft Transfer Plan

We can link your other accounts to automatically transfer to cover overdrafts that occur in your checking account.  
Currently we charge $10.00 for each transfer.
With this plan in place, debit card authorizations are approved based on 100% of the combined available balances of the accounts set-up in your overdraft sequence, less any authorizations or deposit holds. 


Overdraft Protection Loan

You may also apply for an overdraft protection loan that will automatically transfer money to your checking account to cover an overdraft. You must meet certain credit qualifications and the maximum limit available is $1,000.00. The minimum payment is 3% of your limit monthly.Apply for an overdraft protection loan today. Or contact one of our Financial Service Representatives for more information.

Overdraft Protection Loan

You may also apply for an overdraft protection loan that will automatically transfer money to your checking account to cover an overdraft.
Currently we charge $10.00 for each transfer.
You must meet certain credit qualifications. The APR for this loan is 18% and the maximum limit available is $1,000.00. The minimum monthly payment is 3% of your limit. Contact a member of our Financial Services Team for more information.