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What is Overdraft Privilege?

At times, unanticipated expenses or unforeseen problems can leave you with too little cash in your checking account. Having a check returned due to insufficient funds can be an embarrassing and humiliating experience. At ACNB Bank, we want to do our part to save you from the possibility of ever having this occur. That's why we created Overdraft Privilege, a special overdraft feature for ACNB Bank checking customers. No action is required on your part to sign up for Overdraft Privilege. Your Overdraft Privilege amount will be automatically assigned.


How does Overdraft Privilege work?

As long as you maintain your account in good standing (defined as making regular deposits, depositing an amount equal to or more than the amount of discretionary courtesy overdraft extended to you in your account within each thirty (30) day period and bringing your account balance to a positive balance within every thirty-five (35) day period, not being in default on any loan or other obligation to ACNB Bank, and not being subject to any legal or administrative order or levy), we may honor overdrafts up to the Overdraft Privilege on your account. If you use Overdraft Privilege, you should remember the Bank's normal insufficient funds (NSF/overdraft) charge for each transaction will be deducted from your account.* As in the past, the Bank will notify you by mail or electronic delivery when an overdraft occurs.


How do I know when I use the Overdraft Privilege?

You will receive an overdraft notice in the mail or via electronic delivery each time items are paid. The notice will show the check number, amount and the NSF/overdraft charge. You should subtract total charges from your checkbook. Checks are paid through Overdraft Privilege at the Bank's discretion, and as such, some overdrafts may result in a check or checks being returned to the payee. The normal NSF/overdraft charge may be charged per item and assessed to your account. An NSF/overdraft notice will be sent to notify you of our actions.


How may I have access to Overdraft Privilege?

Generally, you may access Overdraft Privilege through:

  • Checks and other debits cashed at teller windows
  • VISA® or Discover® Debit Card
  • ATM transactions
  • ACH debit transactions
  • Checks issued to a third party
  • All transactions that currently are honored through your account

How soon can I access Overdraft Privilege?

If you are a new account holder, you will be able to use Overdraft Privilege 30 days after your account is opened.



What does Overdraft Privilege cost?

A $40 NSF/overdraft charge may be imposed for each item paid or returned under the privilege. The fee is only assessed on the first six overdraft items per day. Overdrafts of $5.00 or less do not incur a fee.



How quickly must I repay Overdraft Privilege?

You must bring your account to a positive balance once every 35 days. If you are not able to do so, you will receive a letter informing you of the situation and your options. If, after a period of time, your account has not been brought to a positive balance, we will not have any option but to close your account and take other steps to recover the funds.



Will the balance in Telephone Banking or Online Banking include my Overdraft Privilege?

No, the Available Balance reflected through Telephone Banking or Online Banking will not include the overdraft privilege assigned to your account.



Additional questions?

If you have additional questions or would like more information, call 1.888.334.ACNB (2262) or visit any of our branches today.



Overdraft Privilege: Customer Overdraft Program


An insufficient balance could result in several ways, such as (1) the payment of checks, ATM withdrawals, in-person withdrawals, electronic funds transfers, or other withdrawal requests; (2) payments authorized by you; (3) the return of unpaid items deposited by you; (4) the imposition of Bank service charges; (5) the deposit of items which, according to the Bank's Funds Availability Policy, are treated as not yet available or finally paid. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts.


We are not obligated to pay any item presented for payment if your account does not contain sufficient funds. However, if you maintain your account in good standing (defined as making regular deposits and bringing your account to a positive balance at least once every 35 days) and there are no legal orders outstanding, we may approve your reasonable overdrafts as a non-contractual courtesy. Normally, we will not approve an overdraft for you in excess of the privilege amount, plus our $40 NSF/overdraft charge(s).


We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you. If you do not bring your account to a positive balance once every 35 days, we may end your participation in our Overdraft Privilege program. You will be notified by mail or electronic delivery of any insufficient/overdraft items paid or returned that you may have; however, we have no obligation to notify you before we pay or return any item. The amount of any overdraft plus our NSF/overdraft charge(s) that you owe us shall be due and payable upon demand.


If there is an overdraft paid by us on an account with more than (1) owner on the signature card, each owner and agent, if applicable, drawing/presenting the item creating the overdraft, shall be jointly and severally liable for such overdraft plus our NSF/overdraft charge(s).


If you would like to "opt-out" of the Overdraft Privilege Program, please call 1.888.334.ACNB (2262) or visit your nearest ACNB Bank branch. LIMITATIONS: Overdraft Privilege is a non-contractual courtesy which is available to individual/jointly owned accounts in good standing for personal or household use. ACNB Bank reserves the right to limit participation to one account per household and to discontinue this product without prior notice. *A $40 NSF/overdraft charge per item may be assessed for the payment of each overdraft to your account or item returned for insufficient funds. The overdraft charge applies to any overdraft created by check, in-person withdrawal, ATM withdrawal or other electronic means.



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