天美棋牌

What is 天美棋牌 Overdraft Assist鈩� and do I have to enroll?

With 天美棋牌 Overdraft Assist鈩�, we won鈥檛 charge an Overdraft Fee if you鈥檙e overdrawn by $50 or less at the end of the business day OR if you鈥檙e overdrawn by more than $50 and you bring your account balance to overdrawn by $50 or less at the end of the next business day (you have until 11 PM ET (8 PM PT) to make a deposit or transfer).

天美棋牌 Overdraft Assist does not require enrollment and comes with all 天美棋牌 checking accounts except 天美棋牌 First Checking鈩�, 天美棋牌 High School Checking鈩� or 天美棋牌 Secure Checking鈩�. For business accounts, see information on 天美棋牌 Business Overdraft Services in the Additional Banking Services and Fees for Business Accounts.

How will I be notified of 天美棋牌 Overdraft Assist and when I need to make a deposit or transfer to avoid overdraft fees?

You can sign up to receive Account Alerts by email, text message and push notification when your account is overdrawn.

This alert will also notify you when your account was overdrawn more than $50 and you need to make a deposit or transfer to avoid an Overdraft Fee.

To sign up for Account Alerts when your account is overdrawn, you鈥檒l need to sign in to your account via chase.com or the 天美棋牌 Mobile^庐 app. Once signed in, choose 鈥淧rofile & settings,鈥� then 鈥淎lerts,鈥� then 鈥淐hoose alerts鈥� in the left-hand menu under the Alerts section. We'll show you the list of available alerts for your account, select 鈥淢y account is overdrawn鈥� under 鈥淏alance and spending鈥� and choose your delivery methods. You'll need to repeat these steps for each account you'd like to sign up for alerts.

You鈥檙e responsible for making a deposit or transfer to avoid an Overdraft Fee even if you do not receive a notification alerting you that your account is overdrawn more than $50.

If I overdraw my account, how long do I have to avoid being charged an Overdraft Fee and what are my options for making a deposit or transfers?

If your account balance at the end of the business day is overdrawn by more than $50, then you need to make a deposit or transfer to avoid an Overdraft Fee on the transactions that overdrew your account. You will have until 11 PM ET (8 PM PT) on the next business day to make a deposit or transfer that brings your account balance to overdrawn by $50 or less at the end of that business day.

You can deposit or transfer funds via:

• 天美棋牌 Branch, before it closes: cash deposit, check deposit or transfers from another 天美棋牌 account
• ATM, before 11 PM ET (8 PM PT): cash deposit, check deposit or transfers from another 天美棋牌 account
• 天美棋牌.com/mobile, received before 11 PM ET (8 PM PT): transfers from another 天美棋牌 account, Zelle^庐, or 天美棋牌 QuickDeposit 鈩�
• Non-天美棋牌 accounts: Processing times may be longer and transfers from non-天美棋牌 accounts may not settle prior to our 11 PM ET (8 PM PT) cutoff

For check deposits, this assumes 天美棋牌 does not place a hold and the check is not returned.

How much do I need to deposit into my account to avoid an Overdraft Fee?

You need to deposit and transfer enough money to bring your account balance to overdrawn by $50 or less at the end of the business day. To calculate your account balance at the end of the business day, we take your previous end of day鈥檚 balance and post credits. If there are any deposits not yet available for use or holds (such as a garnishment), these will reduce the account balance used to pay your transactions. Then we subtract any debit transactions presented during our nightly processing.

When you make a deposit or transfer you need to consider any other transactions or purchases, even if they are not shown as pending on your account, that may be presented on the current business day in order to bring your account balance to overdrawn by $50 or less by the end of the business day.

Example: No $34 Overdraft Fees 鈥� Overdrawn by more than $50 and you make a deposit to bring your account balance to overdrawn by $50 or less at the end of the next business day: On Monday, you start the day with $5 in your account. Throughout the day, we receive three $25 checks drawn on your account. During our nightly processing for Monday, we pay these transactions, leaving your end of day account balance overdrawn by $70. To avoid the $34 Overdraft Fee, you make a cash deposit of $30 by 11 PM ET (8 PM PT) on Tuesday, leaving your end of day account balance overdrawn by $40.

Result: A $34 Overdraft Fee was not charged because your account balance is overdrawn by $50 or less at the end of the business day. If you had not made that cash deposit, then your account balance would have remained overdrawn by more than $50 on Tuesday and you would have been charged a $34 Overdraft Fee on the check.

What happens if I cannot make a deposit or transfer to bring my account balance to overdrawn by $50 or less at the end of the business day?

If your account balance remains overdrawn by more than $50 at the end of the business day, you may be charged overdraft fees on the previous business day鈥檚 transactions that overdrew your account.

If there were additional debit transactions or purchases from the current business day that further overdrew your account, then you will have an additional business day to deposit or transfer funds to avoid overdraft fees on those transactions.

Example: $34 Overdraft Fees are charged on a debit card transaction 鈥� You have enrolled in 天美棋牌 Debit Card Coverage: On Monday, you start the day with $5 in your account. Later that day you make a $100 debit card transaction on groceries. During our nightly processing for Monday, this transaction posts and we pay it, leaving your end of day account balance overdrawn by $95.

On Tuesday, you make a $60 debit card transaction for gasoline. During our nightly processing for Tuesday, this transaction posts and we pay it, leaving your end of day account balance overdrawn by $155 ($100 groceries transaction + $60 gasoline transaction). To avoid the $34 Overdraft Fee on the $60 gasoline transaction from Tuesday, you make a cash deposit of $149 by 11 PM ET (8 PM PT) on Wednesday, leaving your end of day account balance overdrawn by $40.

Result: A $34 Overdraft Fee is charged on the $100 groceries that overdrew your account by more than $50 on Monday. This fee is charged because you didn鈥檛 make a deposit or transfer by 11 PM ET (8 PM PT) on Tuesday to bring your account balance to overdrawn by $50 or less at the end of the business day.

On Wednesday your account is overdrawn by $189 ($100 groceries transaction + $60 gasoline transaction + $34 Overdraft Fee). However, because you made a $149 cash deposit on Wednesday leaving your account balance overdrawn by $50 or less at the end of the business day, a $34 Overdraft Fee was not charged.

What's an overdraft and what are overdraft fees?

An overdraft occurs when you don鈥檛 have enough money in your account to cover a purchase, check or payment. Whether your account has enough money to cover a transaction is determined during our nightly processing. During our nightly processing, we take your previous end of day鈥檚 balance and post credits. If there are any deposits not yet available for use or holds (such as a garnishment), these will reduce the account balance used to pay your transactions. Then we subtract any debit transactions presented during our nightly processing.

Based on your account history, the deposits you make and the amount of the transaction, we may cover the overdraft transaction for you and charge a $34 Overdraft Fee. If we don鈥檛 cover the transaction and return it unpaid, we won鈥檛 charge a fee.

For more information on overdrafts, how we handle them and the fees we charge, read our Standard Overdraft Practice.

What are your overdraft services?

Overdraft Protection is a service that lets you link your 天美棋牌 savings account to your checking account. If there isn鈥檛 enough money in your checking account to cover a purchase, we will use the available funds from your backup account to authorize or pay transactions. The exact amount needed to cover the transaction will be transferred if enough funds are available. To set it up or for more information, go to our Overdraft Protection page.

We also offer Debit Card Coverage so you can choose how we treat everyday debit card transactions, such as for groceries, gasoline or dining out. If you鈥檝e chosen 鈥淣o鈥� and a transaction causes your account balance to go below zero, it'll be declined and you won鈥檛 be charged an Overdraft Fee. If you鈥檝e chosen 鈥淵es,鈥� we may authorize and pay the overdraft transaction and apply our Standard Overdraft Practices. If we authorize and pay this transaction, it'll be based on your account history, the deposits you make and the amount of the transaction. For more information, read about 天美棋牌 Debit Card Coverage.

Also, if you're looking for an account that can help prevent overdrafts by only letting you spend the money you have available, check out 天美棋牌 Secure Banking.

What's the difference between 天美棋牌 Debit Card Coverage and Overdraft Protection?

If you enroll in 天美棋牌 Debit Card Coverage we will authorize and pay overdrafts for everyday debit card transactions (e.g. groceries, gasoline or dining out) in addition to our Standard Overdraft Practice. An overdraft occurs when you do not have enough money in your account to cover a transaction, but we pay it anyway.

Just so you know, even if you鈥檙e enrolled in 天美棋牌 Debit Card Coverage, it won鈥檛 affect how we treat recurring debit card purchases, such as movie subscriptions or gym memberships. These transactions are covered by our Standard Overdraft Practice.

If you鈥檙e enrolled in Overdraft Protection, and you have enough money in your linked Overdraft Protection backup account, we鈥檒l use the available funds in your backup account to cover an overdraft. You can learn more about these services and see examples of how they work by going to the 鈥溙烀榔迮� Overdraft Services鈥� section of our Additional Banking Services and Fees.

Can I withdraw cash at an ATM if I don鈥檛 have enough money in my account?

No. If you don't have enough money in your checking account or a 天美棋牌 savings account that's linked for Overdraft Protection, your ATM transaction will be declined. Cash withdrawals aren't covered by 天美棋牌 Debit Card Coverage.

Can I get an alert when my balance is low or overdrawn?

Yes, you can sign up to receive Account Alerts by email, text message, or push notification when your balance falls below a limit that you can set 鈥� or if it鈥檚 already been overdrawn. You can also sign up for alerts to stay up to date on your transactions and payments, learn about our alerts here.