NEWGEN - ODP Exhibits - Western Bank



What You Need To Know about Overdrafts and Overdraft FeesAn 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 standard overdraft practices that come with your account.We also offer overdraft protection plans, such as a link to another account, which may be less costly than our standard overdraft practices. To learn more, ask us about these plans.This notice explains our standard overdraft practices.What are the standard overdraft practices that come with my account?We do authorize and pay overdrafts for the following types of transactions:Checks and other transactions made using your checking account numberAutomatic bill paymentsWe will not authorize and pay overdrafts for the following types of transactions without your consent.ATM transactionsEveryday debit card transactionsWe 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.What fees will I be charged if DOCPROPERTY "Engagement Client" \* MERGEFORMAT Western Bank pays my overdraft?Under our standard overdraft practices:We will charge you a fee of up to DOCPROPERTY "Insf Fee" \* MERGEFORMAT $29.95 each time we pay an overdraft if your account is overdrawn more than DOCPROPERTY "de minimis amt" \* MERGEFORMAT $10.00We will charge a fee of DOCPROPERTY "de minimis amt" \* MERGEFORMAT $10.00 if your account is overdrawn by DOCPROPERTY "de minimis amt" \* MERGEFORMAT $10.00 or lessIf your account balance remains overdrawn for longer than one day, we will charge your account a daily Overdraft Interest Fee of 18% APR for each of the consecutive calendar days your account remains overdrawn, beginning on day 1. The daily Overdraft Interest Fee is an accrual that will be charged to your account at the end of the month.There is a limit of DOCPROPERTY "Max OD $" \* MERGEFORMAT $120.00 per day on the total fees we can charge you for overdrawing your accountWhat if I want DOCPROPERTY "Engagement Client" \* MERGEFORMAT Western Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call DOCPROPERTY "Phone Number" \* MERGEFORMAT (877) 301-2262, visit our website at DOCPROPERTY "Web Address" \* MERGEFORMAT , email us at DOCPROPERTY "Email Address" \* MERGEFORMAT support@, complete the form below and present it at a branch or mail it to: DOCPROPERTY "Mailing Address" \* MERGEFORMAT P.O. Box 1051 Lubbock, TX 79408. You can revoke your authorization for DOCPROPERTY "Engagement Client" \* MERGEFORMAT Western Bank to pay these overdrafts at any time by any of the above methods. Your revocation must include both your name and your account number so that we can properly identify your account.____________I do not want DOCPROPERTY "Engagement Client" \* MERGEFORMAT Western Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.____________I want DOCPROPERTY "Engagement Client" \* MERGEFORMAT Western Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions.Printed Name:___________________________________________Date:___________________________________________Account Number:___________________________________________ ................
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