Here’s how it works:

Your Overdraft Privilege helps you avoid returned or declined items by making discretionary courtesy payments to cover insufficient funds up to 600.00 dollars.

Each time you overdraw your account and we cover your transaction, we’ll charge you our customary $30 NSF fee. But that’s all you’ll pay. No late fee. No interest. And no returned check fee from the merchant!

Overdraft Privilege is a service we provide that could approve a transaction, even if you don’t have enough money in your account at that moment.

Our standard overdraft practice authorizes and pays overdrafts for checks and other transactions made using your checking account or automatic bill payments. Overdraft Privilege will not be available for ATM and everyday debit card transactions unless you authorize the bank to include these transactions by completing an Overdraft Privilege Opt In form.

Many of our customers appreciate the ability to overdraw their account in certain instances, instead of having their debit card purchase declined at the store register. When you buy something or get cash immediately, having the overdraft service means that we will consider approving those transactions when you don’t have the
money in your account.

This chart shows the types of transactions covered by overdraft as
well as those items that are covered if you choose to Opt In.

We pay overdrafts at our discretion and 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.

If you want Community Capital Bank to authorize and pay ATM and everyday debit card transactions, you can either give us a call or visit your local branch.