Overdraft services opt-in/opt-out authorization

Fremont Bank will not authorize and pay overdrafts for ATM and one-time debit card transactions unless you provide us authorization

An 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:

  1. We have standard overdrafts practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard 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 number
  • Automatic bill payments

We do not authorize and pay overdrafts for the following types of transactions unless you ask us to:

  • ATM transactions
  • Everyday debit card transactions

We 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 Fremont Bank pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $35.00 each time we pay an overdraft.
  • There is a maximum charge of $175.00 per day for any combination of paid or returned items.
  • Also, if your account is overdrawn for ten (10) or more consecutive business days, we will charge an additional $6.00 per day until your account again has a positive balance.
  • There is no limit on the total fees we can charge you for overdrawing your account.

What if I want Fremont Bank to authorize and pay overdrafts on my ATM and everyday debit card transactions?

If you also want us to authorize and pay overdrafts on ATM and everyday debit card transactions, call (877) 743-2582, or complete the form below.

By submitting the form below you authorize (“Opt-In”) Fremont Bank to pay overdrafts on your ATM transactions and everyday debit card transactions for each checking account listed below.

* Denotes required field.


Your account(s) will reflect your decision within two (2) business days. If you have questions, please call (800) 359-BANK (2265). We accept relay calls.