Overdraft Protection

What You Need To Know About Overdrafts and Overdraft Fees

An overdraft occurs when you do not have enough money in your account to cover a transaction. Patriot offers two options for you to protect your account.

Patriot’s Overdraft Basic Plan: Covers overdrafts from checks, ACH, and monthly recurring debit transactions up to $1,000.00. A $35.00 fee will apply to each item causing an overdraft. All debit and ATM transactions would be declined with no fee charged.

Patriot’s Overdraft Protection Comprehensive Plan: This plan covers what the Basic plan covers, plus ATM, debit card, Point of Sale, monthly recurring debits and one time debits up to $1,000.00. A fee will apply to each item causing an overdraft.

If you are currently not enrolled in any of our new Overdraft Protection Plans, you are not covered, and therefore, you will not be covered for any overdrafts that may hit your account.

For Questions or to setup an Overdraft Protection Plan, stop by any of our 5 offices or call our toll free number at 888-777-9982.