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Protecting your Privacy

We are committed to protecting your privacy. The information that you furnish to us will be used to provide you with the products and services you are requesting. We restrict access to information about you to those employees who need to know that information to provide products or services to you. For more information please read our Privacy Statement under the heading of Privacy & Security.

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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, but we pay it anyway. We can cover your overdrafts in two different ways:

  1. We have standard overdraft practices that come with your account.
  2. We also offer overdraft protection plans, such as a link to a savings account, Ready Reserve Line of Credit or Home Equity Line of Credit (HELOC) which may be less expensive than our standard overdraft 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 (see below):

  • 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 Georgia Bank & Trust pays my overdraft?

Under our standard overdraft practices:

  • We will charge you a fee of up to $33 each time we pay an overdraft.
  • There is no limit on the total fees we can charge you for overdrawing your account.

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

Let us know by simply visiting any of our conveniently located branch offices, calling 706.738.6990 or completing the form below.

Please complete the form below to update your Debit Card Overdraft Protection.
*Indicates a Required Field
Do you want Georgia Bank & Trust to authorize and pay overdrafts on my ATM and
everyday debit card transactions on all of the accounts listed below?*
   
Date:*
First Name:*
Last Name:*
E-mail Address:*
yourname@domain.com
Home Phone Number:*
(xxx-xxx-xxxx)
Cell Phone Number:
(xxx-xxx-xxxx)
Social Security Number:*
(xxx-xx-xxxx)
Please enter all of the accounts that you wish to opt-in/opt-out.
Account Number:*
Account Number:
Account Number:
Account Number:
Account Number:
Account Number:

 
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