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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:

This notice explains our standard overdraft practices.

1. We do authorize and pay overdrafts for the following types of transactions:

2. We do not authorize and pay overdrafts for the following types of transactions unless you ask us to (see below):

3. We will continue to pay overdrafts at our discretion, which means that we will not always authorize and pay any type of transaction, in which case your transaction will be declined.

4. Under our standard overdraft practices:

5. If you want us to authorize and pay overdrafts at our discretion on ATM and everyday debit card transactions, complete the information below, call 901-854-2265, or complete the information below, print and present it at a branch or mail it to:

The Bank of Fayette County
P.O. Box 519
Rossville, TN  38066

6. You retain the right to revoke your opt-in or consent at any time by contacting us in any of the ways listed above or by making one of the selections below on this website.