Even when we try to manage our money, overdrafts can happen. But often, there are ways to manage them or even avoid them in the first place.
Tools & Services
American National Bank & Trust Company offers a few tools and services to help you manage your accounts in order to avoid overdrafts and the fees associated with them. Of course the best way is to keep an eye on your account balance and track your spending and account activity on a regular basis. There are many ways to do this from the traditional check register to online programs or customized balance alerts via text or email.
Link an Account
For an added layer of protection, you can link your checking account(s) to a line of credit, savings, money market, or secondary checking account. When necessary, we will automatically transfer funds to your checking account when an overdraft occurs at no cost to you.
We also offer customers overdraft protection coverage, called Overdraft Express. With Overdraft Express, we will generally pay your overdrafts created by checks, recurring debits, and ACH transactions up to $500, including any Bank fees, in addition to one-time debit card purchases and ATM withdrawals. When overdraft items are paid, this feature can save you the embarrassment and inconvenience of a returned item, as well as the fee many merchants charge when an insufficient funds item is returned to them.
Overdrafts Made by Debit Card
If you are interested in authorizing the bank to pay overdrafts on ATM and everyday debit card transactions, click the link below.
If you are unsure of whether you have overdraft protection or if you want to learn more, contact your local Branch Manager to explore coverage options.