PERSONAL BUSINESS WEALTH PERSONAL PRODUCTS & SERVICES CUSTOMER SUPPORT ABOUT US LOGIN Personal Products and Services Checking Overdraft Protection OVERDRAFT PROTECTION An overdraft occurs when you do not have funds available in your account to cover a transaction and the transaction is processed anyway creating a negative balance in your account. Reconciling your account, the act of tracking your withdrawals and deposits, on a daily basis can help you better manage your funds and keep your budgeting more organized. To be prepared for the unexpected, it’s important to understand how overdraft practices work and to know that NBT Bank offers solutions to help you minimize the impact of an overdraft on your account. Standard Overdraft Practices NBT Bank has Standard Overdraft Practices that come with each account. We cover overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. Generally, we do authorize and pay overdrafts on 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 on the following types of transactions unless you ask us to: ATM transactions Everyday debit card transactions If you do not provide the authorization, the transactions will be declined. If you would like to opt-in and authorize us to pay overdrafts on ATM and everyday debit card transactions, please contact us at 1-800-628-2265 or by visiting your local NBT Bank office. You can also opt-in by completing our Opt-In Form and mailing it to the bank at: NBT Bank Customer Service P.O. Box 351 Norwich, NY 13815 Autolink Transfer Service Personal Overdraft Line of Credit Managing Your Account Protect Yourself against Accidental Overdrafts Autolink Transfer Service* allows you to link another NBT Bank savings or checking account to your primary checking account to provide protection against overdrawing that account. In the event transactions cause your primary checking account to have a negative available balance, funds will be transferred from your designated Autolink account in increments of $10 to cover the amount of any overdraft plus the Autolink transfer fee, if applicable. A transfer fee may apply for this this convenient service. Please see the Pricing Schedule for details. If you would like to opt-in and authorize us to pay overdrafts on ATM and everyday debit card transactions, please contact us at 1-800-628-2265 or by visiting your NBT Bank office. You can also opt-in by completing our Opt-in Form and mailing it to the bank at: *Transaction limitations may apply. Federal Banking regulations place limitations on certain transfers and withdrawals from savings and money market accounts. Withdrawals or transfers made by automatic, pre-authorized, telephonic agreement order, or instruction, check, draft, debit card, or similar order made from this account to other accounts or to third parties are restricted to no more than six per monitoring period. The monitoring period for all savings accounts except those tied to checking accounts with portfolio statements is monthly up to the quarterly statement date. Money market accounts and savings accounts with portfolio statement are monitored by statement cycle. The FDIC Money Smart Program offers FREE online training to help you learn more about managing your finances! Learn more FOLLOW US About Us Locations Careers Investors Accessibility Privacy Security Site Map Member FDIC Equal Housing Lender NMLS ID 500501 Routing #: 021303618 Investment and Insurance Products: • Are Not Deposits • Are Not FDIC Insured • Are Not Insured by Any Federal Government Agency • Are Not Guaranteed by the Bank • May Lose Value Copyright NBT Bank, N.A.