What is Overdraft Privilege?

A non-contractual courtesy that’s included with your checking account to cover accidental overdrafts. Overdraft Privilege saves the embarrassment of returned checks and saves you from the nonsufficient funds fee merchants may charge. You’ll also avoid potential late charges on important bills!

With your consent, we can also cover your debit and ATM transactions! Be proactive, and opt-in today to extend the courtesy you’re already given!

Another way to PROTECT your account(s)

You may also sign up for Overdraft Protection which allows you to transfer funds from a previously designated account to cover insufficient items. $10.00 fee per transfer. To learn more, ask us about this service.

How does NexTier Bank cover overdrafts?

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:

  • We have standard overdraft practices that come with your account.
  • We also offer overdraft protection plans, such as a link to a savings account, which may be less expensive than our standard overdraft practices. To learn more, ask us about these plans.

Our Standard Overdraft Practices

This notice explains our standard overdraft practices included with your 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 without your consent. Select the appropriate option on the form 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. We will consider your account closed when account reaches a $0.00 balance, or account remains overdrawn by more than 60 days.

If we do not authorize and pay an overdraft, your transaction will be declined.

What fees will I be charged if NexTier Bank pays my overdraft?

Under our standard overdraft practices:
  • We will charge you a fee of up to $36 each time we pay an overdraft.
  • We limit daily charges for overdrafts to $216 per account for consumers.

What if I want NexTier Bank to authorize and pay overdrafts on my ATM and everyday Debit Card transactions?

If you want us to authorize and pay overdrafts on ATM and everyday debit card transactions – complete the following form and click Submit to send directly OR click here to download a printable form and mail to: NexTier Bank, P.O. Box 1232, Butler, PA 16003-9985, ATTN: Deposit Support.
Questions? Call 1.800.262.1088 to opt-in today!