Overdraft Coverage Options

Overdraft Coverage Options image

Jacksboro National Bank understands that unexpected overdrafts occur from time to time – Overdraft Coverage can help.

Overdraft Coverage Options

The choice is yours. Consider these ways to cover overdrafts:

Table System

Service
Overdraft Protection link to another deposit account you have at Jacksboro National Bank
Overdraft Privilege Standard or Extended Coverage
Cost
Overdraft Protection link to another deposit account you have at Jacksboro National Bank
$5 fee per transfer
Overdraft Privilege Standard or Extended Coverage
$35 Overdraft Fee per item presented

Overdraft Protection applies to all transactions and may help prevent overdrafts by automatically transferring funds to your checking account from another account you may have at Jacksboro National Bank for a fee.

Overdraft Privilege allows you to overdraw your account up to the disclosed limit for a fee to pay a transaction. Even if you have Overdraft Protection, Overdraft Privilege is still available as secondary coverage if the other protection source is exhausted.

Table System

Transactions Covered with Overdraft Privilege
Checks
ACH – Automatic Debits
Online Bill Pay Items
Digital Banking Transfers
Telephone Banking Transfers
Teller Window Transactions
ATM Transactions
Everyday Debit Card Transactions
Standard Coverage (No action required)
Checks
Checkmark
ACH – Automatic Debits
Checkmark
Online Bill Pay Items
Checkmark
Digital Banking Transfers
Checkmark
Telephone Banking Transfers
Checkmark
Teller Window Transactions
Checkmark
ATM Transactions
Xmark
Everyday Debit Card Transactions
Xmark
Extended Coverage (Your consent required on consumer accounts)*
Checks
Checkmark
ACH – Automatic Debits
Checkmark
Online Bill Pay Items
Checkmark
Digital Banking Transfers
Checkmark
Telephone Banking Transfers
Checkmark
Teller Window Transactions
Checkmark
ATM Transactions
Checkmark*
Everyday Debit Card Transactions
Checkmark*

*If you choose Extended Coverage on your consumer account, ATM transactions and everyday debit card transactions will be included with the transactions listed under Standard Coverage. If you already have Overdraft Privilege Extended Coverage, it is not necessary to request it again. 

If you would like to select Extended Coverage for future transactions:

  • call Jacksboro at (940) 567-5551 
  • call Bowie at (940) 872-2205
  • visit the Jacksboro or Bowie Branch

You can discontinue Overdraft Privilege in its entirety by contacting us at (940) 567-5551 or stopping by any branch.