Life happens, overdraft coverage can help.
Standard Overdraft Privilege Coverage is just one of two options. Consider all options available for covering overdrafts:
| Service | Cost |
|---|---|
| Overdraft Protection Link to Another Deposit Account you have at Farmers & Merchants Bank1 | $0 fee per transfer |
| Overdraft Privilege | $30 Overdraft Fee per item |
1Call us at (912) 564-7436, email us, or come by an office to sign up or apply for these services.
Overdraft Protection
Services apply to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Farmers & Merchants Bank.
Overdraft Privilege
Allows you to overdraw your account up to the disclosed limit for a fee in order to pay a transaction. Even if you have other overdraft protection, Overdraft Privilege is available when the other protection source is exhausted.
| Transactions Covered with Overdraft Privilege |
Standard Coverage (No action required) |
Extended Coverage (Your consent required) |
|---|---|---|
| Checks |  |
|
| ACH - Automatic Debits | |
|
| Recurring Debit Card Payments | |
|
| Online Bill Payments | |
|
| Internet Banking Transfers | |
|
| Teller Window Transactions | |
|
| ATM Transactions | N/A | * |
| Everyday Debit Card Transactions | N/A | * |
*If you choose Extended Coverage, ATM withdrawals and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Extended Overdraft Privilege coverage, it is not necessary to request it again. Business accounts automatically have Extended Coverage.
If you would like to select Extended Coverage for future transactions:
- Call us at (912) 564-7436
- Complete the online consent form found here.
- E-mail us
You can discontinue the Overdraft Privilege in its entirety by contacting us at (912) 564-7436 or sending us an e-mail.