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Clear Access Banking Don't want overdrafts? If you are enrolled in both services, we will first use available funds in your linked Overdraft Protection account s to cover transactions when you don't have enough available money in your checking account. Sarah Schreiber. With standard overdraft coverage we may authorize and pay overdrafts for the following types of transactions: Checks and other transactions made using your checking account number Automatic bill payments such as recurring debit card and ACH payments We will not authorize and pay overdrafts for the following types of transactions unless you ask us to see Debit Card Overdraft Service below : ATM transactions Everyday debit card transactions such as one-time debit card and ATM card purchases We pay overdrafts at our discretion which means we do not guarantee that we will always authorize and pay any type of transaction. Both are published by the Administrative Office of the U. Debit Card Overdraft Service is an optional service that customers can add or remove at any time. Any transactions not covered by midnight Eastern Time are subject to applicable overdraft fees.

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